🏛️
FHA Calculator
Includes upfront + monthly MIP
🎖️
VA Calculator
VA funding fee · Zero monthly MIP

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
$2,377
P&I Payment$1,772
Taxes & Ins$405
Utilities$200

Mortgage Details

$350,396
Local Median: $350,396
$70,079 (20%)
%

Local Area Costs

Ready to see real rates?

Get a live quote priced specifically for Bismarck using Safe Rate's engine.

Monthly$2,377

Monthly Breakdown

Principal & Interest
$1,772
Property Taxes
$242
Homeowners Ins.
$162
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$357,529

Local Housing Facts for Bismarck

  • ·Median home value: $350,396 (adjusted for current market conditions)
  • ·Est. property taxes: $2,908/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,949/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/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 $2,908 per year.

What is the average home price in Bismarck?

The median home value in Bismarck is currently estimated at $350,396.

How much does homeowners insurance cost in Bismarck?

For a median priced home, homeowners insurance in Bismarck averages around $1,949 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 $350,396 can expect to pay roughly $2,908/yr in property taxes, $1,949/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $605 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.