Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Fergus Falls Mortgage Calculator

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

← Back to Fergus Falls Hub
Est. Total Monthly Cost
$1,762
P&I Payment$1,341
Taxes & Ins$245
Utilities$176
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Fergus Falls 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

$252,403
Local Median: $252,403
$50,481 (20%)
%

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

Local Area Costs

Monthly$1,762

Monthly Breakdown

Principal & Interest
$1,341
Property Taxes
$160
Homeowners Ins.
$85
Utilities
$176

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$280,772

Local Housing Facts for Fergus Falls

  • ·Median home value: $252,403 (adjusted for current market conditions)
  • ·Est. property taxes: $1,914/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,023/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,115/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 Fergus Falls?

Based on the local median home value, estimated real estate property taxes in Fergus Falls are around $1,914 per year.

What is the average home price in Fergus Falls?

The median home value in Fergus Falls is currently estimated at $252,403.

How much does homeowners insurance cost in Fergus Falls?

For a median priced home, homeowners insurance in Fergus Falls averages around $1,023 annually.

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

True homeownership costs go beyond principal and interest. In Fergus Falls, a typical homeowner with a median-priced home of $252,403 can expect to pay roughly $1,914/yr in property taxes, $1,023/yr for homeowners insurance, and $2,115/yr in energy utilities. That adds approximately $421 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.