Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

77616 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 77616 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 77616 Hub
Est. Total Monthly Cost
$1,435
P&I Payment$1,003
Taxes & Ins$251
Utilities$181
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 77616 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

$189,423
Local Median: $189,423
$37,885 (20%)
%

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

Local Area Costs

Monthly$1,435

Monthly Breakdown

Principal & Interest
$1,003
Property Taxes
$95
Homeowners Ins.
$156
Utilities
$181

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$209,653

Local Housing Facts for ZIP Code 77616

  • ·Median home value: $189,423 (adjusted for current market conditions)
  • ·Est. property taxes: $1,142/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,867/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,172/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 FRED?

Based on the local median home value, estimated real estate property taxes in FRED are around $1,142 per year.

What is the average home price in FRED?

The median home value in FRED is currently estimated at $189,423.

How much does homeowners insurance cost in FRED?

For a median priced home, homeowners insurance in FRED averages around $1,867 annually.

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

True homeownership costs go beyond principal and interest. In FRED, a typical homeowner with a median-priced home of $189,423 can expect to pay roughly $1,142/yr in property taxes, $1,867/yr for homeowners insurance, and $2,172/yr in energy utilities. That adds approximately $432 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.