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55909 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 55909 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,745
P&I Payment$1,125
Taxes & Ins$320
Utilities$300
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Mortgage Details

$211,516
Local Median: $211,516
$42,303 (20%)
%

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

Local Area Costs

Monthly$1,745

Monthly Breakdown

Principal & Interest
$1,125
Property Taxes
$191
Homeowners Ins.
$129
Utilities
$300

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$235,862

Local Housing Facts for ZIP Code 55909

  • ·Median home value: $211,516 (adjusted for current market conditions)
  • ·Est. property taxes: $2,296/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,546/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,594/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 ADAMS?

Based on the local median home value, estimated real estate property taxes in ADAMS are around $2,296 per year.

What is the average home price in ADAMS?

The median home value in ADAMS is currently estimated at $211,516.

How much does homeowners insurance cost in ADAMS?

For a median priced home, homeowners insurance in ADAMS averages around $1,546 annually.

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

True homeownership costs go beyond principal and interest. In ADAMS, a typical homeowner with a median-priced home of $211,516 can expect to pay roughly $2,296/yr in property taxes, $1,546/yr for homeowners insurance, and $3,594/yr in energy utilities. That adds approximately $620 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.