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35228 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 35228 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$905
P&I Payment$557
Taxes & Ins$113
Utilities$235
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Mortgage Details

$98,324
Local Median: $98,324
$19,665 (20%)
%

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

Local Area Costs

Monthly$905

Monthly Breakdown

Principal & Interest
$557
Property Taxes
$53
Homeowners Ins.
$60
Utilities
$235

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$121,769

Local Housing Facts for ZIP Code 35228

  • ·Median home value: $98,324 (adjusted for current market conditions)
  • ·Est. property taxes: $639/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $721/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,819/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 BIRMINGHAM?

Based on the local median home value, estimated real estate property taxes in BIRMINGHAM are around $639 per year.

What is the average home price in BIRMINGHAM?

The median home value in BIRMINGHAM is currently estimated at $98,324.

How much does homeowners insurance cost in BIRMINGHAM?

For a median priced home, homeowners insurance in BIRMINGHAM averages around $721 annually.

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

True homeownership costs go beyond principal and interest. In BIRMINGHAM, a typical homeowner with a median-priced home of $98,324 can expect to pay roughly $639/yr in property taxes, $721/yr for homeowners insurance, and $2,819/yr in energy utilities. That adds approximately $348 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.