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77450 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 77450 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,956
P&I Payment$2,113
Taxes & Ins$768
Utilities$76
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Mortgage Details

$401,438
Local Median: $401,438
$80,288 (20%)
%

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

Local Area Costs

Monthly$2,956

Monthly Breakdown

Principal & Interest
$2,113
Property Taxes
$545
Homeowners Ins.
$223
Utilities
$76

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$439,589

Local Housing Facts for ZIP Code 77450

  • ·Median home value: $401,438 (adjusted for current market conditions)
  • ·Est. property taxes: $6,539/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,671/yr — based on local per-$1K premium rates
  • ·Energy utilities: $906/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 KATY?

Based on the local median home value, estimated real estate property taxes in KATY are around $6,539 per year.

What is the average home price in KATY?

The median home value in KATY is currently estimated at $401,438.

How much does homeowners insurance cost in KATY?

For a median priced home, homeowners insurance in KATY averages around $2,671 annually.

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

True homeownership costs go beyond principal and interest. In KATY, a typical homeowner with a median-priced home of $401,438 can expect to pay roughly $6,539/yr in property taxes, $2,671/yr for homeowners insurance, and $906/yr in energy utilities. That adds approximately $843 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.