Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

10009 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 10009 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 10009 Hub
Est. Total Monthly Cost
$5,529
P&I Payment$4,442
Taxes & Ins$984
Utilities$104
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 10009 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$850,285
Local Median: $850,285
$170,057 (20%)
%

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

Local Area Costs

Monthly$5,529

Monthly Breakdown

Principal & Interest
$4,442
Property Taxes
$833
Homeowners Ins.
$151
Utilities
$104

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$918,831

Local Housing Facts for ZIP Code 10009

  • ·Median home value: $850,285 (adjusted for current market conditions)
  • ·Est. property taxes: $9,991/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,815/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,244/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 NEW YORK?

Based on the local median home value, estimated real estate property taxes in NEW YORK are around $9,991 per year.

What is the average home price in NEW YORK?

The median home value in NEW YORK is currently estimated at $850,285.

How much does homeowners insurance cost in NEW YORK?

For a median priced home, homeowners insurance in NEW YORK averages around $1,815 annually.

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

True homeownership costs go beyond principal and interest. In NEW YORK, a typical homeowner with a median-priced home of $850,285 can expect to pay roughly $9,991/yr in property taxes, $1,815/yr for homeowners insurance, and $1,244/yr in energy utilities. That adds approximately $1,088 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.