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59104 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 59104 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,124
P&I Payment$1,658
Taxes & Ins$326
Utilities$140
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Mortgage Details

$312,401
Local Median: $312,401
$62,480 (20%)
%

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

Local Area Costs

Monthly$2,124

Monthly Breakdown

Principal & Interest
$1,658
Property Taxes
$201
Homeowners Ins.
$125
Utilities
$140

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$346,971

Local Housing Facts for ZIP Code 59104

  • ·Median home value: $312,401 (adjusted for current market conditions)
  • ·Est. property taxes: $2,406/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,505/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,680/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 BILLINGS?

Based on the local median home value, estimated real estate property taxes in BILLINGS are around $2,406 per year.

What is the average home price in BILLINGS?

The median home value in BILLINGS is currently estimated at $312,401.

How much does homeowners insurance cost in BILLINGS?

For a median priced home, homeowners insurance in BILLINGS averages around $1,505 annually.

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

True homeownership costs go beyond principal and interest. In BILLINGS, a typical homeowner with a median-priced home of $312,401 can expect to pay roughly $2,406/yr in property taxes, $1,505/yr for homeowners insurance, and $1,680/yr in energy utilities. That adds approximately $466 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.