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85204 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 85204 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,232
P&I Payment$1,910
Taxes & Ins$176
Utilities$146
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Mortgage Details

$362,598
Local Median: $362,598
$72,520 (20%)
%

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

Local Area Costs

Monthly$2,232

Monthly Breakdown

Principal & Interest
$1,910
Property Taxes
$96
Homeowners Ins.
$80
Utilities
$146

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$397,546

Local Housing Facts for ZIP Code 85204

  • ·Median home value: $362,598 (adjusted for current market conditions)
  • ·Est. property taxes: $1,153/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $963/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,746/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 MESA?

Based on the local median home value, estimated real estate property taxes in MESA are around $1,153 per year.

What is the average home price in MESA?

The median home value in MESA is currently estimated at $362,598.

How much does homeowners insurance cost in MESA?

For a median priced home, homeowners insurance in MESA averages around $963 annually.

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

True homeownership costs go beyond principal and interest. In MESA, a typical homeowner with a median-priced home of $362,598 can expect to pay roughly $1,153/yr in property taxes, $963/yr for homeowners insurance, and $1,746/yr in energy utilities. That adds approximately $322 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.