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98138 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 98138 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,559
P&I Payment$2,138
Taxes & Ins$314
Utilities$106
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Mortgage Details

$407,327
Local Median: $407,327
$81,465 (20%)
%

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

Local Area Costs

Monthly$2,559

Monthly Breakdown

Principal & Interest
$2,138
Property Taxes
$238
Homeowners Ins.
$76
Utilities
$106

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$443,842

Local Housing Facts for ZIP Code 98138

  • ·Median home value: $407,327 (adjusted for current market conditions)
  • ·Est. property taxes: $2,860/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $912/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,277/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 $2,860 per year.

What is the average home price in SEATTLE?

The median home value in SEATTLE is currently estimated at $407,327.

How much does homeowners insurance cost in SEATTLE?

For a median priced home, homeowners insurance in SEATTLE averages around $912 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 $407,327 can expect to pay roughly $2,860/yr in property taxes, $912/yr for homeowners insurance, and $1,277/yr in energy utilities. That adds approximately $421 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.