Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

12874 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 12874 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 12874 Hub
Est. Total Monthly Cost
$2,572
P&I Payment$2,037
Taxes & Ins$316
Utilities$219
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 12874 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

$387,383
Local Median: $387,383
$77,477 (20%)
%

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

Local Area Costs

Monthly$2,572

Monthly Breakdown

Principal & Interest
$2,037
Property Taxes
$244
Homeowners Ins.
$72
Utilities
$219

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$423,452

Local Housing Facts for ZIP Code 12874

  • ·Median home value: $387,383 (adjusted for current market conditions)
  • ·Est. property taxes: $2,931/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $858/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,630/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 SILVER BAY?

Based on the local median home value, estimated real estate property taxes in SILVER BAY are around $2,931 per year.

What is the average home price in SILVER BAY?

The median home value in SILVER BAY is currently estimated at $387,383.

How much does homeowners insurance cost in SILVER BAY?

For a median priced home, homeowners insurance in SILVER BAY averages around $858 annually.

What is the true total cost of owning a home in SILVER BAY?

True homeownership costs go beyond principal and interest. In SILVER BAY, a typical homeowner with a median-priced home of $387,383 can expect to pay roughly $2,931/yr in property taxes, $858/yr for homeowners insurance, and $2,630/yr in energy utilities. That adds approximately $535 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.