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18509 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 18509 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,798
P&I Payment$1,201
Taxes & Ins$389
Utilities$209
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Mortgage Details

$226,689
Local Median: $226,689
$45,338 (20%)
%

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

Local Area Costs

Monthly$1,798

Monthly Breakdown

Principal & Interest
$1,201
Property Taxes
$321
Homeowners Ins.
$68
Utilities
$209

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$251,074

Local Housing Facts for ZIP Code 18509

  • ·Median home value: $226,689 (adjusted for current market conditions)
  • ·Est. property taxes: $3,851/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $811/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,505/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 SCRANTON?

Based on the local median home value, estimated real estate property taxes in SCRANTON are around $3,851 per year.

What is the average home price in SCRANTON?

The median home value in SCRANTON is currently estimated at $226,689.

How much does homeowners insurance cost in SCRANTON?

For a median priced home, homeowners insurance in SCRANTON averages around $811 annually.

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

True homeownership costs go beyond principal and interest. In SCRANTON, a typical homeowner with a median-priced home of $226,689 can expect to pay roughly $3,851/yr in property taxes, $811/yr for homeowners insurance, and $2,505/yr in energy utilities. That adds approximately $597 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.