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77228 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 77228 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,422
P&I Payment$1,023
Taxes & Ins$330
Utilities$70
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Mortgage Details

$191,321
Local Median: $191,321
$38,264 (20%)
%

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

Local Area Costs

Monthly$1,422

Monthly Breakdown

Principal & Interest
$1,023
Property Taxes
$178
Homeowners Ins.
$152
Utilities
$70

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$215,120

Local Housing Facts for ZIP Code 77228

  • ·Median home value: $191,321 (adjusted for current market conditions)
  • ·Est. property taxes: $2,140/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,822/yr — based on local per-$1K premium rates
  • ·Energy utilities: $835/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 $2,140 per year.

What is the average home price in HOUSTON?

The median home value in HOUSTON is currently estimated at $191,321.

How much does homeowners insurance cost in HOUSTON?

For a median priced home, homeowners insurance in HOUSTON averages around $1,822 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 $191,321 can expect to pay roughly $2,140/yr in property taxes, $1,822/yr for homeowners insurance, and $835/yr in energy utilities. That adds approximately $400 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.