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Bemidji Mortgage Calculator

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

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Est. Total Monthly Cost
$1,722
P&I Payment$1,271
Taxes & Ins$252
Utilities$198
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Mortgage Details

$238,120
Local Median: $238,120
$47,624 (20%)
%

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

Local Area Costs

Monthly$1,722

Monthly Breakdown

Principal & Interest
$1,271
Property Taxes
$193
Homeowners Ins.
$59
Utilities
$198

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$267,188

Local Housing Facts for Bemidji

  • ·Median home value: $238,120 (adjusted for current market conditions)
  • ·Est. property taxes: $2,313/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $711/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,381/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 Bemidji?

Based on the local median home value, estimated real estate property taxes in Bemidji are around $2,313 per year.

What is the average home price in Bemidji?

The median home value in Bemidji is currently estimated at $238,120.

How much does homeowners insurance cost in Bemidji?

For a median priced home, homeowners insurance in Bemidji averages around $711 annually.

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

True homeownership costs go beyond principal and interest. In Bemidji, a typical homeowner with a median-priced home of $238,120 can expect to pay roughly $2,313/yr in property taxes, $711/yr for homeowners insurance, and $2,381/yr in energy utilities. That adds approximately $450 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.