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76820 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 76820 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,538
P&I Payment$2,019
Taxes & Ins$339
Utilities$181
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Mortgage Details

$385,900
Local Median: $385,900
$77,180 (20%)
%

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

Local Area Costs

Monthly$2,538

Monthly Breakdown

Principal & Interest
$2,019
Property Taxes
$220
Homeowners Ins.
$119
Utilities
$181

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$417,973

Local Housing Facts for ZIP Code 76820

  • ·Median home value: $385,900 (adjusted for current market conditions)
  • ·Est. property taxes: $2,635/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,433/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,167/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 ART?

Based on the local median home value, estimated real estate property taxes in ART are around $2,635 per year.

What is the average home price in ART?

The median home value in ART is currently estimated at $385,900.

How much does homeowners insurance cost in ART?

For a median priced home, homeowners insurance in ART averages around $1,433 annually.

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

True homeownership costs go beyond principal and interest. In ART, a typical homeowner with a median-priced home of $385,900 can expect to pay roughly $2,635/yr in property taxes, $1,433/yr for homeowners insurance, and $2,167/yr in energy utilities. That adds approximately $520 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.