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23705 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 23705 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,553
P&I Payment$1,969
Taxes & Ins$456
Utilities$129
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Mortgage Details

$372,393
Local Median: $372,393
$74,479 (20%)
%

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

Local Area Costs

Monthly$2,553

Monthly Breakdown

Principal & Interest
$1,969
Property Taxes
$281
Homeowners Ins.
$174
Utilities
$129

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$410,798

Local Housing Facts for ZIP Code 23705

  • ·Median home value: $372,393 (adjusted for current market conditions)
  • ·Est. property taxes: $3,375/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,091/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,545/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 $3,375 per year.

What is the average home price in PORTSMOUTH?

The median home value in PORTSMOUTH is currently estimated at $372,393.

How much does homeowners insurance cost in PORTSMOUTH?

For a median priced home, homeowners insurance in PORTSMOUTH averages around $2,091 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 $372,393 can expect to pay roughly $3,375/yr in property taxes, $2,091/yr for homeowners insurance, and $1,545/yr in energy utilities. That adds approximately $584 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.