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76804 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 76804 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$513
P&I Payment$288
Taxes & Ins$143
Utilities$82
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Mortgage Details

$54,473
Local Median: $54,473
$10,895 (20%)
%

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

Local Area Costs

Monthly$513

Monthly Breakdown

Principal & Interest
$288
Property Taxes
$55
Homeowners Ins.
$89
Utilities
$82

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$60,227

Local Housing Facts for ZIP Code 76804

  • ·Median home value: $54,473 (adjusted for current market conditions)
  • ·Est. property taxes: $654/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,063/yr — based on local per-$1K premium rates
  • ·Energy utilities: $978/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 BROWNWOOD?

Based on the local median home value, estimated real estate property taxes in BROWNWOOD are around $1,200 per year.

What is the average home price in BROWNWOOD?

The median home value in BROWNWOOD is currently estimated at $54,473.

How much does homeowners insurance cost in BROWNWOOD?

For a median priced home, homeowners insurance in BROWNWOOD averages around $1,063 annually.

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

True homeownership costs go beyond principal and interest. In BROWNWOOD, a typical homeowner with a median-priced home of $54,473 can expect to pay roughly $654/yr in property taxes, $1,063/yr for homeowners insurance, and $978/yr in energy utilities. That adds approximately $225 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.