Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

De Smet Mortgage Calculator

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

← Back to De Smet Hub
Est. Total Monthly Cost
$1,843
P&I Payment$1,332
Taxes & Ins$255
Utilities$256
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this De Smet 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

$241,009
Local Median: $241,009
$48,202 (20%)
%

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

Local Area Costs

Monthly$1,843

Monthly Breakdown

Principal & Interest
$1,332
Property Taxes
$156
Homeowners Ins.
$100
Utilities
$256

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$286,547

Local Housing Facts for De Smet

  • ·Median home value: $241,009 (adjusted for current market conditions)
  • ·Est. property taxes: $1,866/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,197/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,072/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 De Smet?

Based on the local median home value, estimated real estate property taxes in De Smet are around $1,866 per year.

What is the average home price in De Smet?

The median home value in De Smet is currently estimated at $241,009.

How much does homeowners insurance cost in De Smet?

For a median priced home, homeowners insurance in De Smet averages around $1,197 annually.

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

True homeownership costs go beyond principal and interest. In De Smet, a typical homeowner with a median-priced home of $241,009 can expect to pay roughly $1,866/yr in property taxes, $1,197/yr for homeowners insurance, and $3,072/yr in energy utilities. That adds approximately $511 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.