Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Bismarck Mortgage Calculator

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

← Back to Bismarck Hub
Est. Total Monthly Cost
$1,381
P&I Payment$1,032
Taxes & Ins$175
Utilities$174
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Bismarck scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$194,019
Local Median: $194,019
$38,804 (20%)
%

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

Local Area Costs

Monthly$1,381

Monthly Breakdown

Principal & Interest
$1,032
Property Taxes
$73
Homeowners Ins.
$102
Utilities
$174

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$216,276

Local Housing Facts for Bismarck

  • ·Median home value: $194,019 (adjusted for current market conditions)
  • ·Est. property taxes: $879/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,224/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,086/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 Bismarck?

Based on the local median home value, estimated real estate property taxes in Bismarck are around $879 per year.

What is the average home price in Bismarck?

The median home value in Bismarck is currently estimated at $194,019.

How much does homeowners insurance cost in Bismarck?

For a median priced home, homeowners insurance in Bismarck averages around $1,224 annually.

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

True homeownership costs go beyond principal and interest. In Bismarck, a typical homeowner with a median-priced home of $194,019 can expect to pay roughly $879/yr in property taxes, $1,224/yr for homeowners insurance, and $2,086/yr in energy utilities. That adds approximately $349 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.