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Ottumwa Mortgage Calculator

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

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Est. Total Monthly Cost
$1,135
P&I Payment$716
Taxes & Ins$197
Utilities$221
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Mortgage Details

$131,182
Local Median: $131,182
$26,236 (20%)
%

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

Local Area Costs

Monthly$1,135

Monthly Breakdown

Principal & Interest
$716
Property Taxes
$152
Homeowners Ins.
$45
Utilities
$221

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$152,886

Local Housing Facts for Ottumwa

  • ·Median home value: $131,182 (adjusted for current market conditions)
  • ·Est. property taxes: $1,824/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $544/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,654/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 Ottumwa?

Based on the local median home value, estimated real estate property taxes in Ottumwa are around $1,824 per year.

What is the average home price in Ottumwa?

The median home value in Ottumwa is currently estimated at $131,182.

How much does homeowners insurance cost in Ottumwa?

For a median priced home, homeowners insurance in Ottumwa averages around $544 annually.

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

True homeownership costs go beyond principal and interest. In Ottumwa, a typical homeowner with a median-priced home of $131,182 can expect to pay roughly $1,824/yr in property taxes, $544/yr for homeowners insurance, and $2,654/yr in energy utilities. That adds approximately $419 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.