Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

74854 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 74854 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 74854 Hub
Est. Total Monthly Cost
$1,135
P&I Payment$732
Taxes & Ins$171
Utilities$233
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 74854 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

$137,724
Local Median: $137,724
$27,545 (20%)
%

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

Local Area Costs

Monthly$1,135

Monthly Breakdown

Principal & Interest
$732
Property Taxes
$56
Homeowners Ins.
$115
Utilities
$233

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$153,284

Local Housing Facts for ZIP Code 74854

  • ·Median home value: $137,724 (adjusted for current market conditions)
  • ·Est. property taxes: $675/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,376/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,790/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 MAUD?

Based on the local median home value, estimated real estate property taxes in MAUD are around $675 per year.

What is the average home price in MAUD?

The median home value in MAUD is currently estimated at $137,724.

How much does homeowners insurance cost in MAUD?

For a median priced home, homeowners insurance in MAUD averages around $1,376 annually.

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

True homeownership costs go beyond principal and interest. In MAUD, a typical homeowner with a median-priced home of $137,724 can expect to pay roughly $675/yr in property taxes, $1,376/yr for homeowners insurance, and $2,790/yr in energy utilities. That adds approximately $403 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.