Des Moines, IA Mortgage Calculator
Calculate your estimated mortgage payment for a home in Des Moines, IA. Pre-filled with Des Moines's average home price of $230,000, local property tax rate of 1.65%, and typical insurance costs.
$230,000
Avg. Home Price
1.65%
Property Tax Rate
$1,500
Avg. Annual Insurance
-
Est. Monthly Payment (PITI)
$1,604.26
? Monthly payment PITI with taxes & insurance included
$802.13
? Bi-weekly payment PITI if paid every other week
March 2056
? The date of the last payment
December 2052
? The date of the last bi-weekly payment
$234,681.86
? Total interest paid
$187,154.67
? Total interest paid if bi-weekly payments made
$316.25
? Monthly property tax paid (included in above PITI payment)
$125
? Monthly Home Insurance paid (included in above PITI payment)
| Payment | Interest | Principal | Balance |
|---|
| April 2026 | $997 | $166 | $183,834 |
| May 2026 | $996 | $167 | $183,666 |
| June 2026 | $995 | $168 | $183,498 |
| July 2026 | $994 | $169 | $183,329 |
| August 2026 | $993 | $170 | $183,159 |
| September 2026 | $992 | $171 | $182,988 |
| October 2026 | $991 | $172 | $182,817 |
| November 2026 | $990 | $173 | $182,644 |
| December 2026 | $989 | $174 | $182,470 |
| 2026 | $9,926 | $1,705 | $182,295 |
| January 2027 | $988 | $175 | $182,295 |
| February 2027 | $987 | $176 | $182,120 |
| March 2027 | $986 | $177 | $181,943 |
| April 2027 | $986 | $177 | $181,766 |
| May 2027 | $985 | $178 | $181,587 |
| June 2027 | $984 | $179 | $181,408 |
| July 2027 | $983 | $180 | $181,228 |
| August 2027 | $982 | $181 | $181,046 |
| September 2027 | $981 | $182 | $180,864 |
| October 2027 | $980 | $183 | $180,681 |
| November 2027 | $979 | $184 | $180,496 |
| December 2027 | $978 | $185 | $180,311 |
| 2027 | $11,785 | $2,171 | $180,125 |
| January 2028 | $977 | $186 | $180,125 |
| February 2028 | $976 | $187 | $179,937 |
| March 2028 | $975 | $188 | $179,749 |
| April 2028 | $974 | $189 | $179,560 |
| May 2028 | $973 | $190 | $179,369 |
| June 2028 | $972 | $191 | $179,178 |
| July 2028 | $971 | $192 | $178,985 |
| August 2028 | $970 | $194 | $178,792 |
| September 2028 | $968 | $195 | $178,597 |
| October 2028 | $967 | $196 | $178,402 |
| November 2028 | $966 | $197 | $178,205 |
| December 2028 | $965 | $198 | $178,007 |
| 2028 | $11,640 | $2,316 | $177,809 |
| January 2029 | $964 | $199 | $177,809 |
| February 2029 | $963 | $200 | $177,609 |
| March 2029 | $962 | $201 | $177,408 |
| April 2029 | $961 | $202 | $177,206 |
| May 2029 | $960 | $203 | $177,003 |
| June 2029 | $959 | $204 | $176,798 |
| July 2029 | $958 | $205 | $176,593 |
| August 2029 | $957 | $206 | $176,386 |
| September 2029 | $955 | $208 | $176,179 |
| October 2029 | $954 | $209 | $175,970 |
| November 2029 | $953 | $210 | $175,760 |
| December 2029 | $952 | $211 | $175,549 |
| 2029 | $11,485 | $2,471 | $175,337 |
| January 2030 | $951 | $212 | $175,337 |
| February 2030 | $950 | $213 | $175,124 |
| March 2030 | $949 | $214 | $174,910 |
| April 2030 | $947 | $216 | $174,694 |
| May 2030 | $946 | $217 | $174,477 |
| June 2030 | $945 | $218 | $174,259 |
| July 2030 | $944 | $219 | $174,040 |
| August 2030 | $943 | $220 | $173,820 |
| September 2030 | $942 | $221 | $173,599 |
| October 2030 | $940 | $223 | $173,376 |
| November 2030 | $939 | $224 | $173,152 |
| December 2030 | $938 | $225 | $172,927 |
| 2030 | $11,319 | $2,637 | $172,701 |
| January 2031 | $937 | $226 | $172,701 |
| February 2031 | $935 | $228 | $172,473 |
| March 2031 | $934 | $229 | $172,244 |
| April 2031 | $933 | $230 | $172,014 |
| May 2031 | $932 | $231 | $171,783 |
| June 2031 | $930 | $233 | $171,550 |
| July 2031 | $929 | $234 | $171,317 |
| August 2031 | $928 | $235 | $171,082 |
| September 2031 | $927 | $236 | $170,845 |
| October 2031 | $925 | $238 | $170,608 |
| November 2031 | $924 | $239 | $170,369 |
| December 2031 | $923 | $240 | $170,129 |
| 2031 | $11,143 | $2,813 | $169,887 |
| January 2032 | $922 | $241 | $169,887 |
| February 2032 | $920 | $243 | $169,644 |
| March 2032 | $919 | $244 | $169,400 |
| April 2032 | $918 | $245 | $169,155 |
| May 2032 | $916 | $247 | $168,908 |
| June 2032 | $915 | $248 | $168,660 |
| July 2032 | $914 | $249 | $168,411 |
| August 2032 | $912 | $251 | $168,160 |
| September 2032 | $911 | $252 | $167,908 |
| October 2032 | $909 | $254 | $167,654 |
| November 2032 | $908 | $255 | $167,399 |
| December 2032 | $907 | $256 | $167,143 |
| 2032 | $10,954 | $3,002 | $166,885 |
| January 2033 | $905 | $258 | $166,885 |
| February 2033 | $904 | $259 | $166,626 |
| March 2033 | $903 | $260 | $166,366 |
| April 2033 | $901 | $262 | $166,104 |
| May 2033 | $900 | $263 | $165,841 |
| June 2033 | $898 | $265 | $165,576 |
| July 2033 | $897 | $266 | $165,310 |
| August 2033 | $895 | $268 | $165,042 |
| September 2033 | $894 | $269 | $164,773 |
| October 2033 | $893 | $270 | $164,503 |
| November 2033 | $891 | $272 | $164,231 |
| December 2033 | $890 | $273 | $163,957 |
| 2033 | $10,753 | $3,203 | $163,683 |
| January 2034 | $888 | $275 | $163,683 |
| February 2034 | $887 | $276 | $163,406 |
| March 2034 | $885 | $278 | $163,128 |
| April 2034 | $884 | $279 | $162,849 |
| May 2034 | $882 | $281 | $162,568 |
| June 2034 | $881 | $282 | $162,286 |
| July 2034 | $879 | $284 | $162,002 |
| August 2034 | $878 | $285 | $161,716 |
| September 2034 | $876 | $287 | $161,429 |
| October 2034 | $874 | $289 | $161,140 |
| November 2034 | $873 | $290 | $160,850 |
| December 2034 | $871 | $292 | $160,559 |
| 2034 | $10,539 | $3,417 | $160,265 |
| January 2035 | $870 | $293 | $160,265 |
| February 2035 | $868 | $295 | $159,970 |
| March 2035 | $867 | $296 | $159,674 |
| April 2035 | $865 | $298 | $159,376 |
| May 2035 | $863 | $300 | $159,076 |
| June 2035 | $862 | $301 | $158,775 |
| July 2035 | $860 | $303 | $158,472 |
| August 2035 | $858 | $305 | $158,167 |
| September 2035 | $857 | $306 | $157,861 |
| October 2035 | $855 | $308 | $157,553 |
| November 2035 | $853 | $310 | $157,243 |
| December 2035 | $852 | $311 | $156,932 |
| 2035 | $10,310 | $3,646 | $156,619 |
| January 2036 | $850 | $313 | $156,619 |
| February 2036 | $848 | $315 | $156,304 |
| March 2036 | $847 | $316 | $155,988 |
| April 2036 | $845 | $318 | $155,670 |
| May 2036 | $843 | $320 | $155,350 |
| June 2036 | $841 | $322 | $155,029 |
| July 2036 | $840 | $323 | $154,705 |
| August 2036 | $838 | $325 | $154,380 |
| September 2036 | $836 | $327 | $154,054 |
| October 2036 | $834 | $329 | $153,725 |
| November 2036 | $833 | $330 | $153,395 |
| December 2036 | $831 | $332 | $153,063 |
| 2036 | $10,066 | $3,890 | $152,729 |
| January 2037 | $829 | $334 | $152,729 |
| February 2037 | $827 | $336 | $152,393 |
| March 2037 | $825 | $338 | $152,055 |
| April 2037 | $824 | $339 | $151,716 |
| May 2037 | $822 | $341 | $151,375 |
| June 2037 | $820 | $343 | $151,032 |
| July 2037 | $818 | $345 | $150,687 |
| August 2037 | $816 | $347 | $150,340 |
| September 2037 | $814 | $349 | $149,991 |
| October 2037 | $812 | $351 | $149,641 |
| November 2037 | $811 | $352 | $149,288 |
| December 2037 | $809 | $354 | $148,934 |
| 2037 | $9,805 | $4,151 | $148,578 |
| January 2038 | $807 | $356 | $148,578 |
| February 2038 | $805 | $358 | $148,220 |
| March 2038 | $803 | $360 | $147,859 |
| April 2038 | $801 | $362 | $147,497 |
| May 2038 | $799 | $364 | $147,133 |
| June 2038 | $797 | $366 | $146,767 |
| July 2038 | $795 | $368 | $146,399 |
| August 2038 | $793 | $370 | $146,029 |
| September 2038 | $791 | $372 | $145,657 |
| October 2038 | $789 | $374 | $145,283 |
| November 2038 | $787 | $376 | $144,907 |
| December 2038 | $785 | $378 | $144,529 |
| 2038 | $9,527 | $4,429 | $144,149 |
| January 2039 | $783 | $380 | $144,149 |
| February 2039 | $781 | $382 | $143,767 |
| March 2039 | $779 | $384 | $143,382 |
| April 2039 | $777 | $386 | $142,996 |
| May 2039 | $775 | $388 | $142,608 |
| June 2039 | $772 | $391 | $142,217 |
| July 2039 | $770 | $393 | $141,824 |
| August 2039 | $768 | $395 | $141,430 |
| September 2039 | $766 | $397 | $141,033 |
| October 2039 | $764 | $399 | $140,634 |
| November 2039 | $762 | $401 | $140,232 |
| December 2039 | $760 | $403 | $139,829 |
| 2039 | $9,231 | $4,726 | $139,423 |
| January 2040 | $757 | $406 | $139,423 |
| February 2040 | $755 | $408 | $139,016 |
| March 2040 | $753 | $410 | $138,606 |
| April 2040 | $751 | $412 | $138,193 |
| May 2040 | $749 | $414 | $137,779 |
| June 2040 | $746 | $417 | $137,362 |
| July 2040 | $744 | $419 | $136,943 |
| August 2040 | $742 | $421 | $136,522 |
| September 2040 | $739 | $424 | $136,098 |
| October 2040 | $737 | $426 | $135,673 |
| November 2040 | $735 | $428 | $135,245 |
| December 2040 | $733 | $430 | $134,814 |
| 2040 | $8,914 | $5,042 | $134,381 |
| January 2041 | $730 | $433 | $134,381 |
| February 2041 | $728 | $435 | $133,946 |
| March 2041 | $726 | $437 | $133,509 |
| April 2041 | $723 | $440 | $133,069 |
| May 2041 | $721 | $442 | $132,627 |
| June 2041 | $718 | $445 | $132,182 |
| July 2041 | $716 | $447 | $131,735 |
| August 2041 | $714 | $449 | $131,286 |
| September 2041 | $711 | $452 | $130,834 |
| October 2041 | $709 | $454 | $130,380 |
| November 2041 | $706 | $457 | $129,923 |
| December 2041 | $704 | $459 | $129,463 |
| 2041 | $8,576 | $5,380 | $129,002 |
| January 2042 | $701 | $462 | $129,002 |
| February 2042 | $699 | $464 | $128,537 |
| March 2042 | $696 | $467 | $128,071 |
| April 2042 | $694 | $469 | $127,601 |
| May 2042 | $691 | $472 | $127,130 |
| June 2042 | $689 | $474 | $126,655 |
| July 2042 | $686 | $477 | $126,178 |
| August 2042 | $683 | $480 | $125,699 |
| September 2042 | $681 | $482 | $125,217 |
| October 2042 | $678 | $485 | $124,732 |
| November 2042 | $676 | $487 | $124,244 |
| December 2042 | $673 | $490 | $123,754 |
| 2042 | $8,216 | $5,740 | $123,262 |
| January 2043 | $670 | $493 | $123,262 |
| February 2043 | $668 | $495 | $122,766 |
| March 2043 | $665 | $498 | $122,268 |
| April 2043 | $662 | $501 | $121,768 |
| May 2043 | $660 | $503 | $121,264 |
| June 2043 | $657 | $506 | $120,758 |
| July 2043 | $654 | $509 | $120,249 |
| August 2043 | $651 | $512 | $119,738 |
| September 2043 | $649 | $514 | $119,223 |
| October 2043 | $646 | $517 | $118,706 |
| November 2043 | $643 | $520 | $118,186 |
| December 2043 | $640 | $523 | $117,663 |
| 2043 | $7,832 | $6,124 | $117,137 |
| January 2044 | $637 | $526 | $117,137 |
| February 2044 | $634 | $529 | $116,609 |
| March 2044 | $632 | $531 | $116,078 |
| April 2044 | $629 | $534 | $115,543 |
| May 2044 | $626 | $537 | $115,006 |
| June 2044 | $623 | $540 | $114,466 |
| July 2044 | $620 | $543 | $113,923 |
| August 2044 | $617 | $546 | $113,377 |
| September 2044 | $614 | $549 | $112,828 |
| October 2044 | $611 | $552 | $112,276 |
| November 2044 | $608 | $555 | $111,722 |
| December 2044 | $605 | $558 | $111,164 |
| 2044 | $7,422 | $6,535 | $110,603 |
| January 2045 | $602 | $561 | $110,603 |
| February 2045 | $599 | $564 | $110,039 |
| March 2045 | $596 | $567 | $109,472 |
| April 2045 | $593 | $570 | $108,902 |
| May 2045 | $590 | $573 | $108,329 |
| June 2045 | $587 | $576 | $107,753 |
| July 2045 | $584 | $579 | $107,173 |
| August 2045 | $581 | $582 | $106,591 |
| September 2045 | $577 | $586 | $106,005 |
| October 2045 | $574 | $589 | $105,416 |
| November 2045 | $571 | $592 | $104,824 |
| December 2045 | $568 | $595 | $104,229 |
| 2045 | $6,984 | $6,972 | $103,631 |
| January 2046 | $565 | $598 | $103,631 |
| February 2046 | $561 | $602 | $103,029 |
| March 2046 | $558 | $605 | $102,424 |
| April 2046 | $555 | $608 | $101,816 |
| May 2046 | $552 | $612 | $101,204 |
| June 2046 | $548 | $615 | $100,590 |
| July 2046 | $545 | $618 | $99,971 |
| August 2046 | $542 | $621 | $99,350 |
| September 2046 | $538 | $625 | $98,725 |
| October 2046 | $535 | $628 | $98,097 |
| November 2046 | $531 | $632 | $97,465 |
| December 2046 | $528 | $635 | $96,830 |
| 2046 | $6,517 | $7,439 | $96,192 |
| January 2047 | $524 | $639 | $96,192 |
| February 2047 | $521 | $642 | $95,550 |
| March 2047 | $518 | $645 | $94,904 |
| April 2047 | $514 | $649 | $94,255 |
| May 2047 | $511 | $652 | $93,603 |
| June 2047 | $507 | $656 | $92,947 |
| July 2047 | $503 | $660 | $92,287 |
| August 2047 | $500 | $663 | $91,624 |
| September 2047 | $496 | $667 | $90,957 |
| October 2047 | $493 | $670 | $90,287 |
| November 2047 | $489 | $674 | $89,613 |
| December 2047 | $485 | $678 | $88,936 |
| 2047 | $6,019 | $7,937 | $88,254 |
| January 2048 | $482 | $681 | $88,254 |
| February 2048 | $478 | $685 | $87,569 |
| March 2048 | $474 | $689 | $86,881 |
| April 2048 | $471 | $692 | $86,188 |
| May 2048 | $467 | $696 | $85,492 |
| June 2048 | $463 | $700 | $84,792 |
| July 2048 | $459 | $704 | $84,089 |
| August 2048 | $455 | $708 | $83,381 |
| September 2048 | $452 | $711 | $82,670 |
| October 2048 | $448 | $715 | $81,954 |
| November 2048 | $444 | $719 | $81,235 |
| December 2048 | $440 | $723 | $80,512 |
| 2048 | $5,487 | $8,469 | $79,785 |
| January 2049 | $436 | $727 | $79,785 |
| February 2049 | $432 | $731 | $79,055 |
| March 2049 | $428 | $735 | $78,320 |
| April 2049 | $424 | $739 | $77,581 |
| May 2049 | $420 | $743 | $76,838 |
| June 2049 | $416 | $747 | $76,091 |
| July 2049 | $412 | $751 | $75,341 |
| August 2049 | $408 | $755 | $74,586 |
| September 2049 | $404 | $759 | $73,827 |
| October 2049 | $400 | $763 | $73,064 |
| November 2049 | $396 | $767 | $72,296 |
| December 2049 | $392 | $771 | $71,525 |
| 2049 | $4,920 | $9,036 | $70,749 |
| January 2050 | $387 | $776 | $70,749 |
| February 2050 | $383 | $780 | $69,970 |
| March 2050 | $379 | $784 | $69,186 |
| April 2050 | $375 | $788 | $68,397 |
| May 2050 | $370 | $793 | $67,605 |
| June 2050 | $366 | $797 | $66,808 |
| July 2050 | $362 | $801 | $66,007 |
| August 2050 | $358 | $805 | $65,201 |
| September 2050 | $353 | $810 | $64,392 |
| October 2050 | $349 | $814 | $63,577 |
| November 2050 | $344 | $819 | $62,759 |
| December 2050 | $340 | $823 | $61,936 |
| 2050 | $4,315 | $9,641 | $61,108 |
| January 2051 | $335 | $828 | $61,108 |
| February 2051 | $331 | $832 | $60,276 |
| March 2051 | $326 | $837 | $59,440 |
| April 2051 | $322 | $841 | $58,599 |
| May 2051 | $317 | $846 | $57,753 |
| June 2051 | $313 | $850 | $56,903 |
| July 2051 | $308 | $855 | $56,048 |
| August 2051 | $304 | $859 | $55,189 |
| September 2051 | $299 | $864 | $54,325 |
| October 2051 | $294 | $869 | $53,456 |
| November 2051 | $290 | $873 | $52,582 |
| December 2051 | $285 | $878 | $51,704 |
| 2051 | $3,669 | $10,287 | $50,821 |
| January 2052 | $280 | $883 | $50,821 |
| February 2052 | $275 | $888 | $49,934 |
| March 2052 | $270 | $893 | $49,041 |
| April 2052 | $266 | $897 | $48,144 |
| May 2052 | $261 | $902 | $47,241 |
| June 2052 | $256 | $907 | $46,334 |
| July 2052 | $251 | $912 | $45,422 |
| August 2052 | $246 | $917 | $44,505 |
| September 2052 | $241 | $922 | $43,583 |
| October 2052 | $236 | $927 | $42,656 |
| November 2052 | $231 | $932 | $41,724 |
| December 2052 | $226 | $937 | $40,787 |
| 2052 | $2,980 | $10,976 | $39,845 |
| January 2053 | $221 | $942 | $39,845 |
| February 2053 | $216 | $947 | $38,898 |
| March 2053 | $211 | $952 | $37,946 |
| April 2053 | $206 | $957 | $36,988 |
| May 2053 | $200 | $963 | $36,026 |
| June 2053 | $195 | $968 | $35,058 |
| July 2053 | $190 | $973 | $34,085 |
| August 2053 | $185 | $978 | $33,106 |
| September 2053 | $179 | $984 | $32,123 |
| October 2053 | $174 | $989 | $31,134 |
| November 2053 | $169 | $994 | $30,139 |
| December 2053 | $163 | $1,000 | $29,140 |
| 2053 | $2,245 | $11,711 | $28,135 |
| January 2054 | $158 | $1,005 | $28,135 |
| February 2054 | $152 | $1,011 | $27,124 |
| March 2054 | $147 | $1,016 | $26,108 |
| April 2054 | $141 | $1,022 | $25,086 |
| May 2054 | $136 | $1,027 | $24,059 |
| June 2054 | $130 | $1,033 | $23,026 |
| July 2054 | $125 | $1,038 | $21,988 |
| August 2054 | $119 | $1,044 | $20,944 |
| September 2054 | $113 | $1,050 | $19,895 |
| October 2054 | $108 | $1,055 | $18,839 |
| November 2054 | $102 | $1,061 | $17,778 |
| December 2054 | $96 | $1,067 | $16,712 |
| 2054 | $1,461 | $12,495 | $15,639 |
| January 2055 | $91 | $1,072 | $15,639 |
| February 2055 | $85 | $1,078 | $14,561 |
| March 2055 | $79 | $1,084 | $13,477 |
| April 2055 | $73 | $1,090 | $12,387 |
| May 2055 | $67 | $1,096 | $11,291 |
| June 2055 | $61 | $1,102 | $10,189 |
| July 2055 | $55 | $1,108 | $9,081 |
| August 2055 | $49 | $1,114 | $7,967 |
| September 2055 | $43 | $1,120 | $6,848 |
| October 2055 | $37 | $1,126 | $5,722 |
| November 2055 | $31 | $1,132 | $4,590 |
| December 2055 | $25 | $1,138 | $3,452 |
| 2055 | $624 | $13,332 | $2,307 |
| January 2056 | $19 | $1,144 | $2,307 |
| February 2056 | $12 | $1,151 | $1,157 |
| March 2056 | $6 | $1,157 | $0 |
| 2056 | $19 | $2,307 | $0 |
Des Moines, IA Mortgage Overview
The average home in Des Moines costs around $230,000. With a 20% down payment of $46,000, you would need a loan of $184,000.
Des Moines homeowners pay a property tax rate of approximately 1.65%, which translates to about $3,795 per year on the average home. Annual homeowners insurance in Des Moines averages around $1,500.
What Affects Your Des Moines Mortgage Payment?
Your monthly PITI payment in Des Moines includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — Des Moines’s property taxes average 1.65%, higher than the Iowa state average of 1.57%
- Insurance — homeowners insurance in Des Moines averages $1,500/year
Tips for Des Moines Home Buyers
- Compare rates from multiple Des Moines lenders — even a 0.25% rate difference can save tens of thousands over the life of your loan
- Check your credit score before applying — a higher score means better rates
- Consider bi-weekly payments — paying every two weeks instead of monthly can shave years off your mortgage
- Factor in PMI — if your down payment is less than 20%, you’ll pay Private Mortgage Insurance until you reach 80% loan-to-value
- Look at Des Moines first-time buyer programs — many Iowa cities offer down payment assistance or reduced rates for first-time buyers
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