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Ballard Mortgage Calculator

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

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Est. Total Monthly Cost
$4,256
P&I Payment$3,369
Taxes & Ins$675
Utilities$212
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Mortgage Details

$642,347
Local Median: $642,347
$128,469 (20%)
%

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

Local Area Costs

Monthly$4,256

Monthly Breakdown

Principal & Interest
$3,369
Property Taxes
$548
Homeowners Ins.
$127
Utilities
$212

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$699,066

Local Housing Facts for Ballard

  • ·Median home value: $642,347 (adjusted for current market conditions)
  • ·Est. property taxes: $6,578/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,520/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,543/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 Ballard?

Based on the local median home value, estimated real estate property taxes in Ballard are around $6,578 per year.

What is the average home price in Ballard?

The median home value in Ballard is currently estimated at $642,347.

How much does homeowners insurance cost in Ballard?

For a median priced home, homeowners insurance in Ballard averages around $1,520 annually.

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

True homeownership costs go beyond principal and interest. In Ballard, a typical homeowner with a median-priced home of $642,347 can expect to pay roughly $6,578/yr in property taxes, $1,520/yr for homeowners insurance, and $2,543/yr in energy utilities. That adds approximately $887 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.