Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

71764 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 71764 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 71764 Hub
Est. Total Monthly Cost
$870
P&I Payment$550
Taxes & Ins$137
Utilities$183
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 71764 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

$101,256
Local Median: $101,256
$20,251 (20%)
%

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

Local Area Costs

Monthly$870

Monthly Breakdown

Principal & Interest
$550
Property Taxes
$46
Homeowners Ins.
$91
Utilities
$183

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$117,001

Local Housing Facts for ZIP Code 71764

  • ·Median home value: $101,256 (adjusted for current market conditions)
  • ·Est. property taxes: $553/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,089/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,197/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 STEPHENS?

Based on the local median home value, estimated real estate property taxes in STEPHENS are around $553 per year.

What is the average home price in STEPHENS?

The median home value in STEPHENS is currently estimated at $101,256.

How much does homeowners insurance cost in STEPHENS?

For a median priced home, homeowners insurance in STEPHENS averages around $1,089 annually.

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

True homeownership costs go beyond principal and interest. In STEPHENS, a typical homeowner with a median-priced home of $101,256 can expect to pay roughly $553/yr in property taxes, $1,089/yr for homeowners insurance, and $2,197/yr in energy utilities. That adds approximately $320 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.