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28678 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 28678 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,931
P&I Payment$1,614
Taxes & Ins$156
Utilities$161
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Mortgage Details

$304,825
Local Median: $304,825
$60,965 (20%)
%

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

Local Area Costs

Monthly$1,931

Monthly Breakdown

Principal & Interest
$1,614
Property Taxes
$105
Homeowners Ins.
$51
Utilities
$161

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$337,320

Local Housing Facts for ZIP Code 28678

  • ·Median home value: $304,825 (adjusted for current market conditions)
  • ·Est. property taxes: $1,265/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $606/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,933/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 STONY POINT?

Based on the local median home value, estimated real estate property taxes in STONY POINT are around $1,265 per year.

What is the average home price in STONY POINT?

The median home value in STONY POINT is currently estimated at $304,825.

How much does homeowners insurance cost in STONY POINT?

For a median priced home, homeowners insurance in STONY POINT averages around $606 annually.

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

True homeownership costs go beyond principal and interest. In STONY POINT, a typical homeowner with a median-priced home of $304,825 can expect to pay roughly $1,265/yr in property taxes, $606/yr for homeowners insurance, and $1,933/yr in energy utilities. That adds approximately $317 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.