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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
$1,799
P&I Payment$1,269
Taxes & Ins$270
Utilities$260
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Mortgage Details

$240,159
Local Median: $240,159
$48,032 (20%)
%

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

Local Area Costs

Monthly$1,799

Monthly Breakdown

Principal & Interest
$1,269
Property Taxes
$106
Homeowners Ins.
$164
Utilities
$260

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$264,602

Local Housing Facts for Billings

  • ·Median home value: $240,159 (adjusted for current market conditions)
  • ·Est. property taxes: $1,274/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,970/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,119/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 $1,274 per year.

What is the average home price in Billings?

The median home value in Billings is currently estimated at $240,159.

How much does homeowners insurance cost in Billings?

For a median priced home, homeowners insurance in Billings averages around $1,970 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 $240,159 can expect to pay roughly $1,274/yr in property taxes, $1,970/yr for homeowners insurance, and $3,119/yr in energy utilities. That adds approximately $530 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.