Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

77095 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 77095 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 77095 Hub
Est. Total Monthly Cost
$2,697
P&I Payment$2,042
Taxes & Ins$582
Utilities$73
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 77095 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

$386,073
Local Median: $386,073
$77,215 (20%)
%

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

Local Area Costs

Monthly$2,697

Monthly Breakdown

Principal & Interest
$2,042
Property Taxes
$382
Homeowners Ins.
$200
Utilities
$73

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$426,186

Local Housing Facts for ZIP Code 77095

  • ·Median home value: $386,073 (adjusted for current market conditions)
  • ·Est. property taxes: $4,588/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,396/yr — based on local per-$1K premium rates
  • ·Energy utilities: $879/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 $4,588 per year.

What is the average home price in HOUSTON?

The median home value in HOUSTON is currently estimated at $386,073.

How much does homeowners insurance cost in HOUSTON?

For a median priced home, homeowners insurance in HOUSTON averages around $2,396 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 $386,073 can expect to pay roughly $4,588/yr in property taxes, $2,396/yr for homeowners insurance, and $879/yr in energy utilities. That adds approximately $655 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.