Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

51109 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 51109 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 51109 Hub
Est. Total Monthly Cost
$1,179
P&I Payment$750
Taxes & Ins$249
Utilities$179
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 51109 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$138,464
Local Median: $138,464
$27,693 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$1,179

Monthly Breakdown

Principal & Interest
$750
Property Taxes
$185
Homeowners Ins.
$65
Utilities
$179

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$159,347

Local Housing Facts for ZIP Code 51109

  • ·Median home value: $138,464 (adjusted for current market conditions)
  • ·Est. property taxes: $2,215/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $776/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,151/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in SIOUX CITY?

Based on the local median home value, estimated real estate property taxes in SIOUX CITY are around $2,215 per year.

What is the average home price in SIOUX CITY?

The median home value in SIOUX CITY is currently estimated at $138,464.

How much does homeowners insurance cost in SIOUX CITY?

For a median priced home, homeowners insurance in SIOUX CITY averages around $776 annually.

What is the true total cost of owning a home in SIOUX CITY?

True homeownership costs go beyond principal and interest. In SIOUX CITY, a typical homeowner with a median-priced home of $138,464 can expect to pay roughly $2,215/yr in property taxes, $776/yr for homeowners insurance, and $2,151/yr in energy utilities. That adds approximately $429 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.