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45401 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 45401 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,842
P&I Payment$1,382
Taxes & Ins$333
Utilities$127
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Mortgage Details

$260,345
Local Median: $260,345
$52,069 (20%)
%

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

Local Area Costs

Monthly$1,842

Monthly Breakdown

Principal & Interest
$1,382
Property Taxes
$278
Homeowners Ins.
$55
Utilities
$127

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$289,305

Local Housing Facts for ZIP Code 45401

  • ·Median home value: $260,345 (adjusted for current market conditions)
  • ·Est. property taxes: $3,338/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $658/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,527/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 DAYTON?

Based on the local median home value, estimated real estate property taxes in DAYTON are around $3,338 per year.

What is the average home price in DAYTON?

The median home value in DAYTON is currently estimated at $260,345.

How much does homeowners insurance cost in DAYTON?

For a median priced home, homeowners insurance in DAYTON averages around $658 annually.

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

True homeownership costs go beyond principal and interest. In DAYTON, a typical homeowner with a median-priced home of $260,345 can expect to pay roughly $3,338/yr in property taxes, $658/yr for homeowners insurance, and $1,527/yr in energy utilities. That adds approximately $460 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.