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23974 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 23974 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,382
P&I Payment$1,030
Taxes & Ins$135
Utilities$217
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Mortgage Details

$195,490
Local Median: $195,490
$39,098 (20%)
%

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

Local Area Costs

Monthly$1,382

Monthly Breakdown

Principal & Interest
$1,030
Property Taxes
$51
Homeowners Ins.
$84
Utilities
$217

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$214,407

Local Housing Facts for ZIP Code 23974

  • ·Median home value: $195,490 (adjusted for current market conditions)
  • ·Est. property taxes: $613/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,010/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,599/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 VICTORIA?

Based on the local median home value, estimated real estate property taxes in VICTORIA are around $613 per year.

What is the average home price in VICTORIA?

The median home value in VICTORIA is currently estimated at $195,490.

How much does homeowners insurance cost in VICTORIA?

For a median priced home, homeowners insurance in VICTORIA averages around $1,010 annually.

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

True homeownership costs go beyond principal and interest. In VICTORIA, a typical homeowner with a median-priced home of $195,490 can expect to pay roughly $613/yr in property taxes, $1,010/yr for homeowners insurance, and $2,599/yr in energy utilities. That adds approximately $352 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.