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Denver Mortgage Calculator

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

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Est. Total Monthly Cost
$1,445
P&I Payment$995
Taxes & Ins$135
Utilities$316
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Mortgage Details

$187,806
Local Median: $187,806
$37,561 (20%)
%

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

Local Area Costs

Monthly$1,445

Monthly Breakdown

Principal & Interest
$995
Property Taxes
$67
Homeowners Ins.
$68
Utilities
$316

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$207,972

Local Housing Facts for Denver

  • ·Median home value: $187,806 (adjusted for current market conditions)
  • ·Est. property taxes: $806/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $810/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,788/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 $806 per year.

What is the average home price in Denver?

The median home value in Denver is currently estimated at $187,806.

How much does homeowners insurance cost in Denver?

For a median priced home, homeowners insurance in Denver averages around $810 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 $187,806 can expect to pay roughly $806/yr in property taxes, $810/yr for homeowners insurance, and $3,788/yr in energy utilities. That adds approximately $450 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.