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22802 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 22802 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,068
P&I Payment$1,690
Taxes & Ins$243
Utilities$136
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Mortgage Details

$319,063
Local Median: $319,063
$63,813 (20%)
%

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

Local Area Costs

Monthly$2,068

Monthly Breakdown

Principal & Interest
$1,690
Property Taxes
$173
Homeowners Ins.
$70
Utilities
$136

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$353,138

Local Housing Facts for ZIP Code 22802

  • ·Median home value: $319,063 (adjusted for current market conditions)
  • ·Est. property taxes: $2,078/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $834/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,629/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 HARRISONBURG?

Based on the local median home value, estimated real estate property taxes in HARRISONBURG are around $2,078 per year.

What is the average home price in HARRISONBURG?

The median home value in HARRISONBURG is currently estimated at $319,063.

How much does homeowners insurance cost in HARRISONBURG?

For a median priced home, homeowners insurance in HARRISONBURG averages around $834 annually.

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

True homeownership costs go beyond principal and interest. In HARRISONBURG, a typical homeowner with a median-priced home of $319,063 can expect to pay roughly $2,078/yr in property taxes, $834/yr for homeowners insurance, and $1,629/yr in energy utilities. That adds approximately $378 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.