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28465 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 28465 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$4,886
P&I Payment$3,590
Taxes & Ins$1,137
Utilities$159
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Mortgage Details

$686,896
Local Median: $686,896
$137,379 (20%)
%

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

Local Area Costs

Monthly$4,886

Monthly Breakdown

Principal & Interest
$3,590
Property Taxes
$281
Homeowners Ins.
$856
Utilities
$159

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$742,798

Local Housing Facts for ZIP Code 28465

  • ·Median home value: $686,896 (adjusted for current market conditions)
  • ·Est. property taxes: $3,371/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $10,275/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,909/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 OAK ISLAND?

Based on the local median home value, estimated real estate property taxes in OAK ISLAND are around $3,371 per year.

What is the average home price in OAK ISLAND?

The median home value in OAK ISLAND is currently estimated at $686,896.

How much does homeowners insurance cost in OAK ISLAND?

For a median priced home, homeowners insurance in OAK ISLAND averages around $10,275 annually.

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

True homeownership costs go beyond principal and interest. In OAK ISLAND, a typical homeowner with a median-priced home of $686,896 can expect to pay roughly $3,371/yr in property taxes, $10,275/yr for homeowners insurance, and $1,909/yr in energy utilities. That adds approximately $1,296 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.