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16734 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 16734 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,380
P&I Payment$985
Taxes & Ins$184
Utilities$211
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Mortgage Details

$178,884
Local Median: $178,884
$35,777 (20%)
%

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

Local Area Costs

Monthly$1,380

Monthly Breakdown

Principal & Interest
$985
Property Taxes
$119
Homeowners Ins.
$65
Utilities
$211

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$211,631

Local Housing Facts for ZIP Code 16734

  • ·Median home value: $178,884 (adjusted for current market conditions)
  • ·Est. property taxes: $1,427/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $777/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,528/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 JAMES CITY?

Based on the local median home value, estimated real estate property taxes in JAMES CITY are around $1,427 per year.

What is the average home price in JAMES CITY?

The median home value in JAMES CITY is currently estimated at $178,884.

How much does homeowners insurance cost in JAMES CITY?

For a median priced home, homeowners insurance in JAMES CITY averages around $777 annually.

What is the true total cost of owning a home in JAMES CITY?

True homeownership costs go beyond principal and interest. In JAMES CITY, a typical homeowner with a median-priced home of $178,884 can expect to pay roughly $1,427/yr in property taxes, $777/yr for homeowners insurance, and $2,528/yr in energy utilities. That adds approximately $394 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.