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Ellensburg Mortgage Calculator

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

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Est. Total Monthly Cost
$2,892
P&I Payment$2,412
Taxes & Ins$339
Utilities$141
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Mortgage Details

$458,336
Local Median: $458,336
$91,667 (20%)
%

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

Local Area Costs

Monthly$2,892

Monthly Breakdown

Principal & Interest
$2,412
Property Taxes
$262
Homeowners Ins.
$77
Utilities
$141

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$501,717

Local Housing Facts for Ellensburg

  • ·Median home value: $458,336 (adjusted for current market conditions)
  • ·Est. property taxes: $3,149/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $919/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,694/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 Ellensburg?

Based on the local median home value, estimated real estate property taxes in Ellensburg are around $3,149 per year.

What is the average home price in Ellensburg?

The median home value in Ellensburg is currently estimated at $458,336.

How much does homeowners insurance cost in Ellensburg?

For a median priced home, homeowners insurance in Ellensburg averages around $919 annually.

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

True homeownership costs go beyond principal and interest. In Ellensburg, a typical homeowner with a median-priced home of $458,336 can expect to pay roughly $3,149/yr in property taxes, $919/yr for homeowners insurance, and $1,694/yr in energy utilities. That adds approximately $480 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.