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89508 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 89508 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,015
P&I Payment$2,608
Taxes & Ins$194
Utilities$213
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Mortgage Details

$495,656
Local Median: $495,656
$99,131 (20%)
%

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

Local Area Costs

Monthly$3,015

Monthly Breakdown

Principal & Interest
$2,608
Property Taxes
$128
Homeowners Ins.
$66
Utilities
$213

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$542,188

Local Housing Facts for ZIP Code 89508

  • ·Median home value: $495,656 (adjusted for current market conditions)
  • ·Est. property taxes: $1,539/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $789/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,561/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 RENO?

Based on the local median home value, estimated real estate property taxes in RENO are around $1,539 per year.

What is the average home price in RENO?

The median home value in RENO is currently estimated at $495,656.

How much does homeowners insurance cost in RENO?

For a median priced home, homeowners insurance in RENO averages around $789 annually.

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

True homeownership costs go beyond principal and interest. In RENO, a typical homeowner with a median-priced home of $495,656 can expect to pay roughly $1,539/yr in property taxes, $789/yr for homeowners insurance, and $2,561/yr in energy utilities. That adds approximately $407 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.