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77491 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 77491 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,747
P&I Payment$1,211
Taxes & Ins$481
Utilities$56
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Mortgage Details

$225,789
Local Median: $225,789
$45,158 (20%)
%

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

Local Area Costs

Monthly$1,747

Monthly Breakdown

Principal & Interest
$1,211
Property Taxes
$320
Homeowners Ins.
$160
Utilities
$56

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$255,189

Local Housing Facts for ZIP Code 77491

  • ·Median home value: $225,789 (adjusted for current market conditions)
  • ·Est. property taxes: $3,841/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,925/yr — based on local per-$1K premium rates
  • ·Energy utilities: $669/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 $3,841 per year.

What is the average home price in KATY?

The median home value in KATY is currently estimated at $225,789.

How much does homeowners insurance cost in KATY?

For a median priced home, homeowners insurance in KATY averages around $1,925 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 $225,789 can expect to pay roughly $3,841/yr in property taxes, $1,925/yr for homeowners insurance, and $669/yr in energy utilities. That adds approximately $536 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.