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Thief River Falls Mortgage Calculator

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

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Est. Total Monthly Cost
$1,503
P&I Payment$981
Taxes & Ins$253
Utilities$269
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Mortgage Details

$184,462
Local Median: $184,462
$36,892 (20%)
%

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

Local Area Costs

Monthly$1,503

Monthly Breakdown

Principal & Interest
$981
Property Taxes
$170
Homeowners Ins.
$82
Utilities
$269

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$205,623

Local Housing Facts for Thief River Falls

  • ·Median home value: $184,462 (adjusted for current market conditions)
  • ·Est. property taxes: $2,045/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $986/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,226/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 Thief River Falls?

Based on the local median home value, estimated real estate property taxes in Thief River Falls are around $2,045 per year.

What is the average home price in Thief River Falls?

The median home value in Thief River Falls is currently estimated at $184,462.

How much does homeowners insurance cost in Thief River Falls?

For a median priced home, homeowners insurance in Thief River Falls averages around $986 annually.

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

True homeownership costs go beyond principal and interest. In Thief River Falls, a typical homeowner with a median-priced home of $184,462 can expect to pay roughly $2,045/yr in property taxes, $986/yr for homeowners insurance, and $3,226/yr in energy utilities. That adds approximately $521 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.