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80204 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 80204 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$4,447
P&I Payment$3,711
Taxes & Ins$623
Utilities$113
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Mortgage Details

$708,863
Local Median: $708,863
$141,773 (20%)
%

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

Local Area Costs

Monthly$4,447

Monthly Breakdown

Principal & Interest
$3,711
Property Taxes
$250
Homeowners Ins.
$373
Utilities
$113

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$768,731

Local Housing Facts for ZIP Code 80204

  • ·Median home value: $708,863 (adjusted for current market conditions)
  • ·Est. property taxes: $3,000/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $4,474/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,359/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 DENVER?

Based on the local median home value, estimated real estate property taxes in DENVER are around $3,000 per year.

What is the average home price in DENVER?

The median home value in DENVER is currently estimated at $708,863.

How much does homeowners insurance cost in DENVER?

For a median priced home, homeowners insurance in DENVER averages around $4,474 annually.

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

True homeownership costs go beyond principal and interest. In DENVER, a typical homeowner with a median-priced home of $708,863 can expect to pay roughly $3,000/yr in property taxes, $4,474/yr for homeowners insurance, and $1,359/yr in energy utilities. That adds approximately $736 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.