Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

77039 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 77039 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 77039 Hub
Est. Total Monthly Cost
$1,472
P&I Payment$1,077
Taxes & Ins$325
Utilities$69
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 77039 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

$202,040
Local Median: $202,040
$40,408 (20%)
%

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

Local Area Costs

Monthly$1,472

Monthly Breakdown

Principal & Interest
$1,077
Property Taxes
$184
Homeowners Ins.
$141
Utilities
$69

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$226,077

Local Housing Facts for ZIP Code 77039

  • ·Median home value: $202,040 (adjusted for current market conditions)
  • ·Est. property taxes: $2,209/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,693/yr — based on local per-$1K premium rates
  • ·Energy utilities: $833/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 $2,209 per year.

What is the average home price in HOUSTON?

The median home value in HOUSTON is currently estimated at $202,040.

How much does homeowners insurance cost in HOUSTON?

For a median priced home, homeowners insurance in HOUSTON averages around $1,693 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 $202,040 can expect to pay roughly $2,209/yr in property taxes, $1,693/yr for homeowners insurance, and $833/yr in energy utilities. That adds approximately $395 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.