Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

25564 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 25564 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 25564 Hub
Est. Total Monthly Cost
$1,157
P&I Payment$773
Taxes & Ins$141
Utilities$243
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 25564 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$145,305
Local Median: $145,305
$29,061 (20%)
%

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

Local Area Costs

Monthly$1,157

Monthly Breakdown

Principal & Interest
$773
Property Taxes
$62
Homeowners Ins.
$80
Utilities
$243

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$161,946

Local Housing Facts for ZIP Code 25564

  • ·Median home value: $145,305 (adjusted for current market conditions)
  • ·Est. property taxes: $741/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $955/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,921/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 SOD?

Based on the local median home value, estimated real estate property taxes in SOD are around $741 per year.

What is the average home price in SOD?

The median home value in SOD is currently estimated at $145,305.

How much does homeowners insurance cost in SOD?

For a median priced home, homeowners insurance in SOD averages around $955 annually.

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

True homeownership costs go beyond principal and interest. In SOD, a typical homeowner with a median-priced home of $145,305 can expect to pay roughly $741/yr in property taxes, $955/yr for homeowners insurance, and $2,921/yr in energy utilities. That adds approximately $385 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.