Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

21702 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 21702 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 21702 Hub
Est. Total Monthly Cost
$3,178
P&I Payment$2,547
Taxes & Ins$487
Utilities$144
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 21702 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

$485,210
Local Median: $485,210
$97,042 (20%)
%

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

Local Area Costs

Monthly$3,178

Monthly Breakdown

Principal & Interest
$2,547
Property Taxes
$390
Homeowners Ins.
$97
Utilities
$144

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$528,894

Local Housing Facts for ZIP Code 21702

  • ·Median home value: $485,210 (adjusted for current market conditions)
  • ·Est. property taxes: $4,679/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,161/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,732/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 FREDERICK?

Based on the local median home value, estimated real estate property taxes in FREDERICK are around $4,679 per year.

What is the average home price in FREDERICK?

The median home value in FREDERICK is currently estimated at $485,210.

How much does homeowners insurance cost in FREDERICK?

For a median priced home, homeowners insurance in FREDERICK averages around $1,161 annually.

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

True homeownership costs go beyond principal and interest. In FREDERICK, a typical homeowner with a median-priced home of $485,210 can expect to pay roughly $4,679/yr in property taxes, $1,161/yr for homeowners insurance, and $1,732/yr in energy utilities. That adds approximately $631 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.