Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

97221 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 97221 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 97221 Hub
Est. Total Monthly Cost
$5,628
P&I Payment$4,624
Taxes & Ins$826
Utilities$177
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 97221 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

$885,523
Local Median: $885,523
$177,105 (20%)
%

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

Local Area Costs

Monthly$5,628

Monthly Breakdown

Principal & Interest
$4,624
Property Taxes
$759
Homeowners Ins.
$67
Utilities
$177

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$956,400

Local Housing Facts for ZIP Code 97221

  • ·Median home value: $885,523 (adjusted for current market conditions)
  • ·Est. property taxes: $9,112/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $802/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,124/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 $9,112 per year.

What is the average home price in PORTLAND?

The median home value in PORTLAND is currently estimated at $885,523.

How much does homeowners insurance cost in PORTLAND?

For a median priced home, homeowners insurance in PORTLAND averages around $802 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 $885,523 can expect to pay roughly $9,112/yr in property taxes, $802/yr for homeowners insurance, and $2,124/yr in energy utilities. That adds approximately $1,003 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.