Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

97213 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 97213 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 97213 Hub
Est. Total Monthly Cost
$4,109
P&I Payment$3,374
Taxes & Ins$598
Utilities$137
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 97213 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

$644,075
Local Median: $644,075
$128,815 (20%)
%

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

Local Area Costs

Monthly$4,109

Monthly Breakdown

Principal & Interest
$3,374
Property Taxes
$532
Homeowners Ins.
$66
Utilities
$137

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$699,461

Local Housing Facts for ZIP Code 97213

  • ·Median home value: $644,075 (adjusted for current market conditions)
  • ·Est. property taxes: $6,387/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $790/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,645/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 PORTLAND?

Based on the local median home value, estimated real estate property taxes in PORTLAND are around $6,387 per year.

What is the average home price in PORTLAND?

The median home value in PORTLAND is currently estimated at $644,075.

How much does homeowners insurance cost in PORTLAND?

For a median priced home, homeowners insurance in PORTLAND averages around $790 annually.

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

True homeownership costs go beyond principal and interest. In PORTLAND, a typical homeowner with a median-priced home of $644,075 can expect to pay roughly $6,387/yr in property taxes, $790/yr for homeowners insurance, and $1,645/yr in energy utilities. That adds approximately $735 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.