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23702 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 23702 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,893
P&I Payment$1,372
Taxes & Ins$314
Utilities$207
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Mortgage Details

$258,391
Local Median: $258,391
$51,678 (20%)
%

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

Local Area Costs

Monthly$1,893

Monthly Breakdown

Principal & Interest
$1,372
Property Taxes
$190
Homeowners Ins.
$124
Utilities
$207

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$287,184

Local Housing Facts for ZIP Code 23702

  • ·Median home value: $258,391 (adjusted for current market conditions)
  • ·Est. property taxes: $2,285/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,483/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,479/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 PORTSMOUTH?

Based on the local median home value, estimated real estate property taxes in PORTSMOUTH are around $2,285 per year.

What is the average home price in PORTSMOUTH?

The median home value in PORTSMOUTH is currently estimated at $258,391.

How much does homeowners insurance cost in PORTSMOUTH?

For a median priced home, homeowners insurance in PORTSMOUTH averages around $1,483 annually.

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

True homeownership costs go beyond principal and interest. In PORTSMOUTH, a typical homeowner with a median-priced home of $258,391 can expect to pay roughly $2,285/yr in property taxes, $1,483/yr for homeowners insurance, and $2,479/yr in energy utilities. That adds approximately $521 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.