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77005 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 77005 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$8,838
P&I Payment$7,285
Taxes & Ins$1,464
Utilities$89
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Mortgage Details

$1,429,247
Local Median: $1,429,247
$285,849 (20%)
%

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

Local Area Costs

Monthly$8,838

Monthly Breakdown

Principal & Interest
$7,285
Property Taxes
$833
Homeowners Ins.
$631
Utilities
$89

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,479,220

Local Housing Facts for ZIP Code 77005

  • ·Median home value: $1,429,247 (adjusted for current market conditions)
  • ·Est. property taxes: $9,997/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $7,575/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,064/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 HOUSTON?

Based on the local median home value, estimated real estate property taxes in HOUSTON are around $9,997 per year.

What is the average home price in HOUSTON?

The median home value in HOUSTON is currently estimated at $1,429,247.

How much does homeowners insurance cost in HOUSTON?

For a median priced home, homeowners insurance in HOUSTON averages around $7,575 annually.

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

True homeownership costs go beyond principal and interest. In HOUSTON, a typical homeowner with a median-priced home of $1,429,247 can expect to pay roughly $9,997/yr in property taxes, $7,575/yr for homeowners insurance, and $1,064/yr in energy utilities. That adds approximately $1,553 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.