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28388 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 28388 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,564
P&I Payment$2,118
Taxes & Ins$284
Utilities$162
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Mortgage Details

$401,778
Local Median: $401,778
$80,356 (20%)
%

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

Local Area Costs

Monthly$2,564

Monthly Breakdown

Principal & Interest
$2,118
Property Taxes
$199
Homeowners Ins.
$85
Utilities
$162

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$441,122

Local Housing Facts for ZIP Code 28388

  • ·Median home value: $401,778 (adjusted for current market conditions)
  • ·Est. property taxes: $2,384/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,020/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,948/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 SOUTHERN PINES?

Based on the local median home value, estimated real estate property taxes in SOUTHERN PINES are around $2,384 per year.

What is the average home price in SOUTHERN PINES?

The median home value in SOUTHERN PINES is currently estimated at $401,778.

How much does homeowners insurance cost in SOUTHERN PINES?

For a median priced home, homeowners insurance in SOUTHERN PINES averages around $1,020 annually.

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

True homeownership costs go beyond principal and interest. In SOUTHERN PINES, a typical homeowner with a median-priced home of $401,778 can expect to pay roughly $2,384/yr in property taxes, $1,020/yr for homeowners insurance, and $1,948/yr in energy utilities. That adds approximately $446 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.