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Iowa Mortgage Calculator

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

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Est. Total Monthly Cost
$1,857
P&I Payment$1,456
Taxes & Ins$205
Utilities$196
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Mortgage Details

$272,034
Local Median: $272,034
$54,407 (20%)
%

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

Local Area Costs

Monthly$1,857

Monthly Breakdown

Principal & Interest
$1,456
Property Taxes
$48
Homeowners Ins.
$157
Utilities
$196

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$306,454

Local Housing Facts for Iowa

  • ·Median home value: $272,034 (adjusted for current market conditions)
  • ·Est. property taxes: $581/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,880/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,350/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 Iowa?

Based on the local median home value, estimated real estate property taxes in Iowa are around $581 per year.

What is the average home price in Iowa?

The median home value in Iowa is currently estimated at $272,034.

How much does homeowners insurance cost in Iowa?

For a median priced home, homeowners insurance in Iowa averages around $1,880 annually.

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

True homeownership costs go beyond principal and interest. In Iowa, a typical homeowner with a median-priced home of $272,034 can expect to pay roughly $581/yr in property taxes, $1,880/yr for homeowners insurance, and $2,350/yr in energy utilities. That adds approximately $401 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.