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61802 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 61802 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,917
P&I Payment$1,308
Taxes & Ins$436
Utilities$173
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Mortgage Details

$244,663
Local Median: $244,663
$48,933 (20%)
%

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

Local Area Costs

Monthly$1,917

Monthly Breakdown

Principal & Interest
$1,308
Property Taxes
$354
Homeowners Ins.
$82
Utilities
$173

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$275,051

Local Housing Facts for ZIP Code 61802

  • ·Median home value: $244,663 (adjusted for current market conditions)
  • ·Est. property taxes: $4,252/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $980/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,079/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 URBANA?

Based on the local median home value, estimated real estate property taxes in URBANA are around $4,252 per year.

What is the average home price in URBANA?

The median home value in URBANA is currently estimated at $244,663.

How much does homeowners insurance cost in URBANA?

For a median priced home, homeowners insurance in URBANA averages around $980 annually.

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

True homeownership costs go beyond principal and interest. In URBANA, a typical homeowner with a median-priced home of $244,663 can expect to pay roughly $4,252/yr in property taxes, $980/yr for homeowners insurance, and $2,079/yr in energy utilities. That adds approximately $609 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.