Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

74937 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 74937 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 74937 Hub
Est. Total Monthly Cost
$941
P&I Payment$629
Taxes & Ins$107
Utilities$205
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 74937 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

$118,364
Local Median: $118,364
$23,673 (20%)
%

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

Local Area Costs

Monthly$941

Monthly Breakdown

Principal & Interest
$629
Property Taxes
$49
Homeowners Ins.
$58
Utilities
$205

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$131,805

Local Housing Facts for ZIP Code 74937

  • ·Median home value: $118,364 (adjusted for current market conditions)
  • ·Est. property taxes: $586/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $693/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,463/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 HEAVENER?

Based on the local median home value, estimated real estate property taxes in HEAVENER are around $586 per year.

What is the average home price in HEAVENER?

The median home value in HEAVENER is currently estimated at $118,364.

How much does homeowners insurance cost in HEAVENER?

For a median priced home, homeowners insurance in HEAVENER averages around $693 annually.

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

True homeownership costs go beyond principal and interest. In HEAVENER, a typical homeowner with a median-priced home of $118,364 can expect to pay roughly $586/yr in property taxes, $693/yr for homeowners insurance, and $2,463/yr in energy utilities. That adds approximately $312 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.