Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

64465 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 64465 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 64465 Hub
Est. Total Monthly Cost
$1,813
P&I Payment$1,293
Taxes & Ins$254
Utilities$265
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 64465 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

$243,146
Local Median: $243,146
$48,629 (20%)
%

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

Local Area Costs

Monthly$1,813

Monthly Breakdown

Principal & Interest
$1,293
Property Taxes
$151
Homeowners Ins.
$102
Utilities
$265

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$271,133

Local Housing Facts for ZIP Code 64465

  • ·Median home value: $243,146 (adjusted for current market conditions)
  • ·Est. property taxes: $1,817/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,228/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,185/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 LATHROP?

Based on the local median home value, estimated real estate property taxes in LATHROP are around $1,817 per year.

What is the average home price in LATHROP?

The median home value in LATHROP is currently estimated at $243,146.

How much does homeowners insurance cost in LATHROP?

For a median priced home, homeowners insurance in LATHROP averages around $1,228 annually.

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

True homeownership costs go beyond principal and interest. In LATHROP, a typical homeowner with a median-priced home of $243,146 can expect to pay roughly $1,817/yr in property taxes, $1,228/yr for homeowners insurance, and $3,185/yr in energy utilities. That adds approximately $519 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.