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District of Columbia Mortgage Calculator

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

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Est. Total Monthly Cost
$5,029
P&I Payment$4,306
Taxes & Ins$524
Utilities$200

Mortgage Details

$816,667
Local Median: $816,667
$163,333 (20%)
%

Local Area Costs

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Monthly$5,029

Monthly Breakdown

Principal & Interest
$4,306
Property Taxes
$382
Homeowners Ins.
$141
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$896,796

Local Housing Facts for District of Columbia

  • ·Median home value: $816,667 (adjusted for current market conditions)
  • ·Est. property taxes: $4,588/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,694/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 District of Columbia?

Based on the local median home value, estimated real estate property taxes in District of Columbia are around $4,588 per year.

What is the average home price in District of Columbia?

The median home value in District of Columbia is currently estimated at $816,667.

How much does homeowners insurance cost in District of Columbia?

For a median priced home, homeowners insurance in District of Columbia averages around $1,694 annually.

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

True homeownership costs go beyond principal and interest. In District of Columbia, a typical homeowner with a median-priced home of $816,667 can expect to pay roughly $4,588/yr in property taxes, $1,694/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $724 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.