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98401 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 98401 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,078
P&I Payment$2,560
Taxes & Ins$466
Utilities$52
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Mortgage Details

$488,288
Local Median: $488,288
$97,658 (20%)
%

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

Local Area Costs

Monthly$3,078

Monthly Breakdown

Principal & Interest
$2,560
Property Taxes
$389
Homeowners Ins.
$77
Utilities
$52

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$531,028

Local Housing Facts for ZIP Code 98401

  • ·Median home value: $488,288 (adjusted for current market conditions)
  • ·Est. property taxes: $4,664/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $923/yr — based on local per-$1K premium rates
  • ·Energy utilities: $622/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 TACOMA?

Based on the local median home value, estimated real estate property taxes in TACOMA are around $4,664 per year.

What is the average home price in TACOMA?

The median home value in TACOMA is currently estimated at $488,288.

How much does homeowners insurance cost in TACOMA?

For a median priced home, homeowners insurance in TACOMA averages around $923 annually.

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

True homeownership costs go beyond principal and interest. In TACOMA, a typical homeowner with a median-priced home of $488,288 can expect to pay roughly $4,664/yr in property taxes, $923/yr for homeowners insurance, and $622/yr in energy utilities. That adds approximately $517 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.