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Safe Rate Local

Seattle Mortgage Calculator

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

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Est. Total Monthly Cost
$5,746
P&I Payment$4,872
Taxes & Ins$675
Utilities$200

Mortgage Details

$966,144
Local Median: $966,144
$193,229 (20%)
%

Local Area Costs

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Monthly$5,746

Monthly Breakdown

Principal & Interest
$4,872
Property Taxes
$595
Homeowners Ins.
$79
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$980,873

Local Housing Facts for Seattle

  • ·Median home value: $966,144 (adjusted for current market conditions)
  • ·Est. property taxes: $7,145/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $949/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 Seattle?

Based on the local median home value, estimated real estate property taxes in Seattle are around $7,145 per year.

What is the average home price in Seattle?

The median home value in Seattle is currently estimated at $966,144.

How much does homeowners insurance cost in Seattle?

For a median priced home, homeowners insurance in Seattle averages around $949 annually.

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

True homeownership costs go beyond principal and interest. In Seattle, a typical homeowner with a median-priced home of $966,144 can expect to pay roughly $7,145/yr in property taxes, $949/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $875 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.