Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

87174 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 87174 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 87174 Hub
Est. Total Monthly Cost
$2,110
P&I Payment$1,734
Taxes & Ins$250
Utilities$127
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 87174 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$326,206
Local Median: $326,206
$65,241 (20%)
%

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

Local Area Costs

Monthly$2,110

Monthly Breakdown

Principal & Interest
$1,734
Property Taxes
$156
Homeowners Ins.
$94
Utilities
$127

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$363,249

Local Housing Facts for ZIP Code 87174

  • ·Median home value: $326,206 (adjusted for current market conditions)
  • ·Est. property taxes: $1,866/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,131/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,518/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 RIO RANCHO?

Based on the local median home value, estimated real estate property taxes in RIO RANCHO are around $1,866 per year.

What is the average home price in RIO RANCHO?

The median home value in RIO RANCHO is currently estimated at $326,206.

How much does homeowners insurance cost in RIO RANCHO?

For a median priced home, homeowners insurance in RIO RANCHO averages around $1,131 annually.

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

True homeownership costs go beyond principal and interest. In RIO RANCHO, a typical homeowner with a median-priced home of $326,206 can expect to pay roughly $1,866/yr in property taxes, $1,131/yr for homeowners insurance, and $1,518/yr in energy utilities. That adds approximately $376 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.