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58104 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 58104 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,721
P&I Payment$2,045
Taxes & Ins$516
Utilities$160
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Mortgage Details

$388,264
Local Median: $388,264
$77,653 (20%)
%

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

Local Area Costs

Monthly$2,721

Monthly Breakdown

Principal & Interest
$2,045
Property Taxes
$398
Homeowners Ins.
$119
Utilities
$160

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$425,537

Local Housing Facts for ZIP Code 58104

  • ·Median home value: $388,264 (adjusted for current market conditions)
  • ·Est. property taxes: $4,770/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,425/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,924/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 FARGO?

Based on the local median home value, estimated real estate property taxes in FARGO are around $4,770 per year.

What is the average home price in FARGO?

The median home value in FARGO is currently estimated at $388,264.

How much does homeowners insurance cost in FARGO?

For a median priced home, homeowners insurance in FARGO averages around $1,425 annually.

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

True homeownership costs go beyond principal and interest. In FARGO, a typical homeowner with a median-priced home of $388,264 can expect to pay roughly $4,770/yr in property taxes, $1,425/yr for homeowners insurance, and $1,924/yr in energy utilities. That adds approximately $677 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.