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36274 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 36274 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,212
P&I Payment$894
Taxes & Ins$103
Utilities$215
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Mortgage Details

$167,892
Local Median: $167,892
$33,578 (20%)
%

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

Local Area Costs

Monthly$1,212

Monthly Breakdown

Principal & Interest
$894
Property Taxes
$33
Homeowners Ins.
$70
Utilities
$215

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$187,347

Local Housing Facts for ZIP Code 36274

  • ·Median home value: $167,892 (adjusted for current market conditions)
  • ·Est. property taxes: $397/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $839/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,580/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 ROANOKE?

Based on the local median home value, estimated real estate property taxes in ROANOKE are around $397 per year.

What is the average home price in ROANOKE?

The median home value in ROANOKE is currently estimated at $167,892.

How much does homeowners insurance cost in ROANOKE?

For a median priced home, homeowners insurance in ROANOKE averages around $839 annually.

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

True homeownership costs go beyond principal and interest. In ROANOKE, a typical homeowner with a median-priced home of $167,892 can expect to pay roughly $397/yr in property taxes, $839/yr for homeowners insurance, and $2,580/yr in energy utilities. That adds approximately $318 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.