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34654 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 34654 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,969
P&I Payment$1,530
Taxes & Ins$276
Utilities$164
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Mortgage Details

$289,225
Local Median: $289,225
$57,845 (20%)
%

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

Local Area Costs

Monthly$1,969

Monthly Breakdown

Principal & Interest
$1,530
Property Taxes
$162
Homeowners Ins.
$114
Utilities
$164

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$319,387

Local Housing Facts for ZIP Code 34654

  • ·Median home value: $289,225 (adjusted for current market conditions)
  • ·Est. property taxes: $1,941/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,367/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,962/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 NEW PORT RICHEY?

Based on the local median home value, estimated real estate property taxes in NEW PORT RICHEY are around $1,941 per year.

What is the average home price in NEW PORT RICHEY?

The median home value in NEW PORT RICHEY is currently estimated at $289,225.

How much does homeowners insurance cost in NEW PORT RICHEY?

For a median priced home, homeowners insurance in NEW PORT RICHEY averages around $1,367 annually.

What is the true total cost of owning a home in NEW PORT RICHEY?

True homeownership costs go beyond principal and interest. In NEW PORT RICHEY, a typical homeowner with a median-priced home of $289,225 can expect to pay roughly $1,941/yr in property taxes, $1,367/yr for homeowners insurance, and $1,962/yr in energy utilities. That adds approximately $439 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.