Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

89123 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 89123 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 89123 Hub
Est. Total Monthly Cost
$2,968
P&I Payment$2,560
Taxes & Ins$233
Utilities$175
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 89123 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

$486,584
Local Median: $486,584
$97,317 (20%)
%

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

Local Area Costs

Monthly$2,968

Monthly Breakdown

Principal & Interest
$2,560
Property Taxes
$164
Homeowners Ins.
$69
Utilities
$175

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$532,171

Local Housing Facts for ZIP Code 89123

  • ·Median home value: $486,584 (adjusted for current market conditions)
  • ·Est. property taxes: $1,966/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $833/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,097/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 $1,966 per year.

What is the average home price in LAS VEGAS?

The median home value in LAS VEGAS is currently estimated at $486,584.

How much does homeowners insurance cost in LAS VEGAS?

For a median priced home, homeowners insurance in LAS VEGAS averages around $833 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 $486,584 can expect to pay roughly $1,966/yr in property taxes, $833/yr for homeowners insurance, and $2,097/yr in energy utilities. That adds approximately $408 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.