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Billings Mortgage Calculator

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

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Est. Total Monthly Cost
$2,529
P&I Payment$1,974
Taxes & Ins$362
Utilities$193
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Mortgage Details

$390,346
Local Median: $390,346
$78,069 (20%)
%

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

Local Area Costs

Monthly$2,529

Monthly Breakdown

Principal & Interest
$1,974
Property Taxes
$232
Homeowners Ins.
$130
Utilities
$193

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$398,292

Local Housing Facts for Billings

  • ·Median home value: $390,346 (adjusted for current market conditions)
  • ·Est. property taxes: $2,785/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,560/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,312/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 Billings?

Based on the local median home value, estimated real estate property taxes in Billings are around $2,785 per year.

What is the average home price in Billings?

The median home value in Billings is currently estimated at $390,346.

How much does homeowners insurance cost in Billings?

For a median priced home, homeowners insurance in Billings averages around $1,560 annually.

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

True homeownership costs go beyond principal and interest. In Billings, a typical homeowner with a median-priced home of $390,346 can expect to pay roughly $2,785/yr in property taxes, $1,560/yr for homeowners insurance, and $2,312/yr in energy utilities. That adds approximately $555 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.