Safe Rate Local

19101 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 19101 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 19101 Hub
Est. Total Monthly Cost
$2,816
P&I Payment$2,116
Taxes & Ins$500
Utilities$200

Mortgage Details

$400,000
$80,000 (20%)
%

Local Area Costs

Ready to see real rates?

Get a live quote priced specifically for PHILADELPHIA using Safe Rate's engine.

Monthly$2,816

Monthly Breakdown

Principal & Interest
$2,116
Property Taxes
$400
Homeowners Ins.
$100
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$441,869

Local Housing Facts for ZIP Code 19101

  • ·Median home value: $400,000 (adjusted for current market conditions)
  • ·Est. property taxes: $4,800/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,200/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/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 PHILADELPHIA?

Based on the local median home value, estimated real estate property taxes in PHILADELPHIA are around $1,200 per year.

What is the average home price in PHILADELPHIA?

The median home value in PHILADELPHIA is currently estimated at $400,000.

How much does homeowners insurance cost in PHILADELPHIA?

For a median priced home, homeowners insurance in PHILADELPHIA averages around $1,200 annually.

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

True homeownership costs go beyond principal and interest. In PHILADELPHIA, a typical homeowner with a median-priced home of $400,000 can expect to pay roughly $4,800/yr in property taxes, $1,200/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $700 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.