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58109 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 58109 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,518
P&I Payment$1,113
Taxes & Ins$319
Utilities$86
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Mortgage Details

$209,403
Local Median: $209,403
$41,881 (20%)
%

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

Local Area Costs

Monthly$1,518

Monthly Breakdown

Principal & Interest
$1,113
Property Taxes
$230
Homeowners Ins.
$89
Utilities
$86

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$233,223

Local Housing Facts for ZIP Code 58109

  • ·Median home value: $209,403 (adjusted for current market conditions)
  • ·Est. property taxes: $2,761/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,071/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,028/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 $2,761 per year.

What is the average home price in FARGO?

The median home value in FARGO is currently estimated at $209,403.

How much does homeowners insurance cost in FARGO?

For a median priced home, homeowners insurance in FARGO averages around $1,071 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 $209,403 can expect to pay roughly $2,761/yr in property taxes, $1,071/yr for homeowners insurance, and $1,028/yr in energy utilities. That adds approximately $405 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.