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24031 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 24031 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,381
P&I Payment$1,005
Taxes & Ins$222
Utilities$155
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Mortgage Details

$190,663
Local Median: $190,663
$38,133 (20%)
%

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

Local Area Costs

Monthly$1,381

Monthly Breakdown

Principal & Interest
$1,005
Property Taxes
$180
Homeowners Ins.
$42
Utilities
$155

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$209,113

Local Housing Facts for ZIP Code 24031

  • ·Median home value: $190,663 (adjusted for current market conditions)
  • ·Est. property taxes: $2,159/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $505/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,857/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 ROANOKE?

Based on the local median home value, estimated real estate property taxes in ROANOKE are around $2,159 per year.

What is the average home price in ROANOKE?

The median home value in ROANOKE is currently estimated at $190,663.

How much does homeowners insurance cost in ROANOKE?

For a median priced home, homeowners insurance in ROANOKE averages around $505 annually.

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

True homeownership costs go beyond principal and interest. In ROANOKE, a typical homeowner with a median-priced home of $190,663 can expect to pay roughly $2,159/yr in property taxes, $505/yr for homeowners insurance, and $1,857/yr in energy utilities. That adds approximately $377 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.