Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

28098 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 28098 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 28098 Hub
Est. Total Monthly Cost
$1,698
P&I Payment$1,350
Taxes & Ins$173
Utilities$175
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 28098 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

$254,605
Local Median: $254,605
$50,921 (20%)
%

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

Local Area Costs

Monthly$1,698

Monthly Breakdown

Principal & Interest
$1,350
Property Taxes
$123
Homeowners Ins.
$50
Utilities
$175

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$282,386

Local Housing Facts for ZIP Code 28098

  • ·Median home value: $254,605 (adjusted for current market conditions)
  • ·Est. property taxes: $1,478/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $595/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,096/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 LOWELL?

Based on the local median home value, estimated real estate property taxes in LOWELL are around $1,478 per year.

What is the average home price in LOWELL?

The median home value in LOWELL is currently estimated at $254,605.

How much does homeowners insurance cost in LOWELL?

For a median priced home, homeowners insurance in LOWELL averages around $595 annually.

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

True homeownership costs go beyond principal and interest. In LOWELL, a typical homeowner with a median-priced home of $254,605 can expect to pay roughly $1,478/yr in property taxes, $595/yr for homeowners insurance, and $2,096/yr in energy utilities. That adds approximately $347 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.