Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

98109 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 98109 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 98109 Hub
Est. Total Monthly Cost
$5,155
P&I Payment$4,410
Taxes & Ins$678
Utilities$66
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 98109 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

$844,500
Local Median: $844,500
$168,900 (20%)
%

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

Local Area Costs

Monthly$5,155

Monthly Breakdown

Principal & Interest
$4,410
Property Taxes
$600
Homeowners Ins.
$79
Utilities
$66

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$912,093

Local Housing Facts for ZIP Code 98109

  • ·Median home value: $844,500 (adjusted for current market conditions)
  • ·Est. property taxes: $7,196/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $945/yr — based on local per-$1K premium rates
  • ·Energy utilities: $796/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 SEATTLE?

Based on the local median home value, estimated real estate property taxes in SEATTLE are around $7,196 per year.

What is the average home price in SEATTLE?

The median home value in SEATTLE is currently estimated at $844,500.

How much does homeowners insurance cost in SEATTLE?

For a median priced home, homeowners insurance in SEATTLE averages around $945 annually.

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

True homeownership costs go beyond principal and interest. In SEATTLE, a typical homeowner with a median-priced home of $844,500 can expect to pay roughly $7,196/yr in property taxes, $945/yr for homeowners insurance, and $796/yr in energy utilities. That adds approximately $745 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.