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23235 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 23235 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,747
P&I Payment$2,255
Taxes & Ins$312
Utilities$180
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Mortgage Details

$427,999
Local Median: $427,999
$85,600 (20%)
%

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

Local Area Costs

Monthly$2,747

Monthly Breakdown

Principal & Interest
$2,255
Property Taxes
$240
Homeowners Ins.
$72
Utilities
$180

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$469,498

Local Housing Facts for ZIP Code 23235

  • ·Median home value: $427,999 (adjusted for current market conditions)
  • ·Est. property taxes: $2,879/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $862/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,154/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 RICHMOND?

Based on the local median home value, estimated real estate property taxes in RICHMOND are around $2,879 per year.

What is the average home price in RICHMOND?

The median home value in RICHMOND is currently estimated at $427,999.

How much does homeowners insurance cost in RICHMOND?

For a median priced home, homeowners insurance in RICHMOND averages around $862 annually.

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

True homeownership costs go beyond principal and interest. In RICHMOND, a typical homeowner with a median-priced home of $427,999 can expect to pay roughly $2,879/yr in property taxes, $862/yr for homeowners insurance, and $2,154/yr in energy utilities. That adds approximately $491 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.