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77086 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 77086 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,634
P&I Payment$1,185
Taxes & Ins$378
Utilities$71
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Mortgage Details

$223,002
Local Median: $223,002
$44,600 (20%)
%

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

Local Area Costs

Monthly$1,634

Monthly Breakdown

Principal & Interest
$1,185
Property Taxes
$216
Homeowners Ins.
$162
Utilities
$71

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$248,153

Local Housing Facts for ZIP Code 77086

  • ·Median home value: $223,002 (adjusted for current market conditions)
  • ·Est. property taxes: $2,593/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,938/yr — based on local per-$1K premium rates
  • ·Energy utilities: $854/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 $2,593 per year.

What is the average home price in HOUSTON?

The median home value in HOUSTON is currently estimated at $223,002.

How much does homeowners insurance cost in HOUSTON?

For a median priced home, homeowners insurance in HOUSTON averages around $1,938 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 $223,002 can expect to pay roughly $2,593/yr in property taxes, $1,938/yr for homeowners insurance, and $854/yr in energy utilities. That adds approximately $449 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.