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Sioux Falls Mortgage Calculator

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

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Est. Total Monthly Cost
$2,379
P&I Payment$1,750
Taxes & Ins$440
Utilities$190
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Mortgage Details

$331,622
Local Median: $331,622
$66,324 (20%)
%

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

Local Area Costs

Monthly$2,379

Monthly Breakdown

Principal & Interest
$1,750
Property Taxes
$292
Homeowners Ins.
$148
Utilities
$190

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$364,543

Local Housing Facts for Sioux Falls

  • ·Median home value: $331,622 (adjusted for current market conditions)
  • ·Est. property taxes: $3,507/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,770/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,275/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 Sioux Falls?

Based on the local median home value, estimated real estate property taxes in Sioux Falls are around $3,507 per year.

What is the average home price in Sioux Falls?

The median home value in Sioux Falls is currently estimated at $331,622.

How much does homeowners insurance cost in Sioux Falls?

For a median priced home, homeowners insurance in Sioux Falls averages around $1,770 annually.

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

True homeownership costs go beyond principal and interest. In Sioux Falls, a typical homeowner with a median-priced home of $331,622 can expect to pay roughly $3,507/yr in property taxes, $1,770/yr for homeowners insurance, and $2,275/yr in energy utilities. That adds approximately $629 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.