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10304 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 10304 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$5,097
P&I Payment$4,128
Taxes & Ins$677
Utilities$292
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Mortgage Details

$789,640
Local Median: $789,640
$157,928 (20%)
%

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

Local Area Costs

Monthly$5,097

Monthly Breakdown

Principal & Interest
$4,128
Property Taxes
$527
Homeowners Ins.
$150
Utilities
$292

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$854,358

Local Housing Facts for ZIP Code 10304

  • ·Median home value: $789,640 (adjusted for current market conditions)
  • ·Est. property taxes: $6,326/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,797/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,501/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 STATEN ISLAND?

Based on the local median home value, estimated real estate property taxes in STATEN ISLAND are around $6,326 per year.

What is the average home price in STATEN ISLAND?

The median home value in STATEN ISLAND is currently estimated at $789,640.

How much does homeowners insurance cost in STATEN ISLAND?

For a median priced home, homeowners insurance in STATEN ISLAND averages around $1,797 annually.

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

True homeownership costs go beyond principal and interest. In STATEN ISLAND, a typical homeowner with a median-priced home of $789,640 can expect to pay roughly $6,326/yr in property taxes, $1,797/yr for homeowners insurance, and $3,501/yr in energy utilities. That adds approximately $969 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.