Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

76887 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 76887 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 76887 Hub
Est. Total Monthly Cost
$1,798
P&I Payment$1,281
Taxes & Ins$305
Utilities$213
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 76887 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

$240,791
Local Median: $240,791
$48,158 (20%)
%

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

Local Area Costs

Monthly$1,798

Monthly Breakdown

Principal & Interest
$1,281
Property Taxes
$194
Homeowners Ins.
$111
Utilities
$213

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$268,460

Local Housing Facts for ZIP Code 76887

  • ·Median home value: $240,791 (adjusted for current market conditions)
  • ·Est. property taxes: $2,324/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,335/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,552/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 VOCA?

Based on the local median home value, estimated real estate property taxes in VOCA are around $2,324 per year.

What is the average home price in VOCA?

The median home value in VOCA is currently estimated at $240,791.

How much does homeowners insurance cost in VOCA?

For a median priced home, homeowners insurance in VOCA averages around $1,335 annually.

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

True homeownership costs go beyond principal and interest. In VOCA, a typical homeowner with a median-priced home of $240,791 can expect to pay roughly $2,324/yr in property taxes, $1,335/yr for homeowners insurance, and $2,552/yr in energy utilities. That adds approximately $518 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.