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89109 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 89109 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,720
P&I Payment$3,295
Taxes & Ins$317
Utilities$108
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Mortgage Details

$625,747
Local Median: $625,747
$125,149 (20%)
%

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

Local Area Costs

Monthly$3,720

Monthly Breakdown

Principal & Interest
$3,295
Property Taxes
$247
Homeowners Ins.
$70
Utilities
$108

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$685,697

Local Housing Facts for ZIP Code 89109

  • ·Median home value: $625,747 (adjusted for current market conditions)
  • ·Est. property taxes: $2,968/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $837/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,297/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 LAS VEGAS?

Based on the local median home value, estimated real estate property taxes in LAS VEGAS are around $2,968 per year.

What is the average home price in LAS VEGAS?

The median home value in LAS VEGAS is currently estimated at $625,747.

How much does homeowners insurance cost in LAS VEGAS?

For a median priced home, homeowners insurance in LAS VEGAS averages around $837 annually.

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

True homeownership costs go beyond principal and interest. In LAS VEGAS, a typical homeowner with a median-priced home of $625,747 can expect to pay roughly $2,968/yr in property taxes, $837/yr for homeowners insurance, and $1,297/yr in energy utilities. That adds approximately $425 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.