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Des Moines Mortgage Calculator

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

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Est. Total Monthly Cost

$3,922

P&I Payment$3,239

Taxes & Ins$540

Utilities$143

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Mortgage Details

Home Price$619,097

Local Median: $619,097

Down Payment$123,819 (20%)

Interest Rate

Loan Term

Credit Score

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

Local Area Costs

Property Taxes / yr$5,557

Homeowners Ins. / yr$924

Include Flood InsuranceOptional

Estimated based on Des Moines FEMA risk profiles.

Include Est. Utilities$1,712/yr

Based on DOE LEAD data for Des Moines.

Monthly$3,922

Monthly Breakdown

Principal & Interest

$3,239

Property Taxes

$463

Homeowners Ins.

$77

Utilities

$143

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$670,789

Local Housing Facts for Des Moines

·Median home value: $619,097 (adjusted for current market conditions)
·Est. property taxes: $5,557/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $924/yr — based on local per-$1K premium rates
·Energy utilities: $1,712/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 Des Moines?

Based on the local median home value, estimated real estate property taxes in Des Moines are around $5,557 per year.

What is the average home price in Des Moines?

The median home value in Des Moines is currently estimated at $619,097.

How much does homeowners insurance cost in Des Moines?

For a median priced home, homeowners insurance in Des Moines averages around $924 annually.

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

True homeownership costs go beyond principal and interest. In Des Moines, a typical homeowner with a median-priced home of $619,097 can expect to pay roughly $5,557/yr in property taxes, $924/yr for homeowners insurance, and $1,712/yr in energy utilities. That adds approximately $683 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.