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19123 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 19123 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,325
P&I Payment$2,770
Taxes & Ins$433
Utilities$122
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Mortgage Details

$529,909
Local Median: $529,909
$105,982 (20%)
%

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

Local Area Costs

Monthly$3,325

Monthly Breakdown

Principal & Interest
$2,770
Property Taxes
$337
Homeowners Ins.
$96
Utilities
$122

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$573,238

Local Housing Facts for ZIP Code 19123

  • ·Median home value: $529,909 (adjusted for current market conditions)
  • ·Est. property taxes: $4,045/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,154/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,458/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 $4,045 per year.

What is the average home price in PHILADELPHIA?

The median home value in PHILADELPHIA is currently estimated at $529,909.

How much does homeowners insurance cost in PHILADELPHIA?

For a median priced home, homeowners insurance in PHILADELPHIA averages around $1,154 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 $529,909 can expect to pay roughly $4,045/yr in property taxes, $1,154/yr for homeowners insurance, and $1,458/yr in energy utilities. That adds approximately $555 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.