Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Denver Mortgage Calculator

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

← Back to Denver Hub
Est. Total Monthly Cost
$2,094
P&I Payment$1,476
Taxes & Ins$429
Utilities$189
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Denver 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

$277,059
Local Median: $277,059
$55,412 (20%)
%

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

Local Area Costs

Monthly$2,094

Monthly Breakdown

Principal & Interest
$1,476
Property Taxes
$326
Homeowners Ins.
$104
Utilities
$189

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$309,754

Local Housing Facts for Denver

  • ·Median home value: $277,059 (adjusted for current market conditions)
  • ·Est. property taxes: $3,908/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,245/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,264/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 Denver?

Based on the local median home value, estimated real estate property taxes in Denver are around $3,908 per year.

What is the average home price in Denver?

The median home value in Denver is currently estimated at $277,059.

How much does homeowners insurance cost in Denver?

For a median priced home, homeowners insurance in Denver averages around $1,245 annually.

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

True homeownership costs go beyond principal and interest. In Denver, a typical homeowner with a median-priced home of $277,059 can expect to pay roughly $3,908/yr in property taxes, $1,245/yr for homeowners insurance, and $2,264/yr in energy utilities. That adds approximately $618 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.