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61274 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 61274 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,436
P&I Payment$883
Taxes & Ins$331
Utilities$222
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Mortgage Details

$165,965
Local Median: $165,965
$33,193 (20%)
%

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

Local Area Costs

Monthly$1,436

Monthly Breakdown

Principal & Interest
$883
Property Taxes
$230
Homeowners Ins.
$101
Utilities
$222

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$185,036

Local Housing Facts for ZIP Code 61274

  • ·Median home value: $165,965 (adjusted for current market conditions)
  • ·Est. property taxes: $2,763/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,210/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,660/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 OSCO?

Based on the local median home value, estimated real estate property taxes in OSCO are around $2,763 per year.

What is the average home price in OSCO?

The median home value in OSCO is currently estimated at $165,965.

How much does homeowners insurance cost in OSCO?

For a median priced home, homeowners insurance in OSCO averages around $1,210 annually.

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

True homeownership costs go beyond principal and interest. In OSCO, a typical homeowner with a median-priced home of $165,965 can expect to pay roughly $2,763/yr in property taxes, $1,210/yr for homeowners insurance, and $2,660/yr in energy utilities. That adds approximately $553 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.