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23609 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 23609 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,600
P&I Payment$1,200
Taxes & Ins$243
Utilities$157
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Mortgage Details

$224,314
Local Median: $224,314
$44,863 (20%)
%

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

Local Area Costs

Monthly$1,600

Monthly Breakdown

Principal & Interest
$1,200
Property Taxes
$157
Homeowners Ins.
$87
Utilities
$157

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$252,696

Local Housing Facts for ZIP Code 23609

  • ·Median home value: $224,314 (adjusted for current market conditions)
  • ·Est. property taxes: $1,879/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,038/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,884/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 NEWPORT NEWS?

Based on the local median home value, estimated real estate property taxes in NEWPORT NEWS are around $1,879 per year.

What is the average home price in NEWPORT NEWS?

The median home value in NEWPORT NEWS is currently estimated at $224,314.

How much does homeowners insurance cost in NEWPORT NEWS?

For a median priced home, homeowners insurance in NEWPORT NEWS averages around $1,038 annually.

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

True homeownership costs go beyond principal and interest. In NEWPORT NEWS, a typical homeowner with a median-priced home of $224,314 can expect to pay roughly $1,879/yr in property taxes, $1,038/yr for homeowners insurance, and $1,884/yr in energy utilities. That adds approximately $400 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.