Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

45419 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 45419 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 45419 Hub
Est. Total Monthly Cost
$2,211
P&I Payment$1,571
Taxes & Ins$471
Utilities$169
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 45419 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$296,434
Local Median: $296,434
$59,287 (20%)
%

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

Local Area Costs

Monthly$2,211

Monthly Breakdown

Principal & Interest
$1,571
Property Taxes
$412
Homeowners Ins.
$59
Utilities
$169

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$328,493

Local Housing Facts for ZIP Code 45419

  • ·Median home value: $296,434 (adjusted for current market conditions)
  • ·Est. property taxes: $4,949/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $703/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,025/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 $4,949 per year.

What is the average home price in DAYTON?

The median home value in DAYTON is currently estimated at $296,434.

How much does homeowners insurance cost in DAYTON?

For a median priced home, homeowners insurance in DAYTON averages around $703 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 $296,434 can expect to pay roughly $4,949/yr in property taxes, $703/yr for homeowners insurance, and $2,025/yr in energy utilities. That adds approximately $640 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.