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38019 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 38019 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,849
P&I Payment$1,456
Taxes & Ins$199
Utilities$193
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Mortgage Details

$273,319
Local Median: $273,319
$54,664 (20%)
%

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

Local Area Costs

Monthly$1,849

Monthly Breakdown

Principal & Interest
$1,456
Property Taxes
$101
Homeowners Ins.
$98
Utilities
$193

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$305,678

Local Housing Facts for ZIP Code 38019

  • ·Median home value: $273,319 (adjusted for current market conditions)
  • ·Est. property taxes: $1,216/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,173/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,316/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 COVINGTON?

Based on the local median home value, estimated real estate property taxes in COVINGTON are around $1,216 per year.

What is the average home price in COVINGTON?

The median home value in COVINGTON is currently estimated at $273,319.

How much does homeowners insurance cost in COVINGTON?

For a median priced home, homeowners insurance in COVINGTON averages around $1,173 annually.

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

True homeownership costs go beyond principal and interest. In COVINGTON, a typical homeowner with a median-priced home of $273,319 can expect to pay roughly $1,216/yr in property taxes, $1,173/yr for homeowners insurance, and $2,316/yr in energy utilities. That adds approximately $392 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.