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78040 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78040 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,046
P&I Payment$720
Taxes & Ins$253
Utilities$73
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Mortgage Details

$133,399
Local Median: $133,399
$26,680 (20%)
%

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

Local Area Costs

Monthly$1,046

Monthly Breakdown

Principal & Interest
$720
Property Taxes
$166
Homeowners Ins.
$87
Utilities
$73

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$152,505

Local Housing Facts for ZIP Code 78040

  • ·Median home value: $133,399 (adjusted for current market conditions)
  • ·Est. property taxes: $1,993/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,048/yr — based on local per-$1K premium rates
  • ·Energy utilities: $876/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 LAREDO?

Based on the local median home value, estimated real estate property taxes in LAREDO are around $1,993 per year.

What is the average home price in LAREDO?

The median home value in LAREDO is currently estimated at $133,399.

How much does homeowners insurance cost in LAREDO?

For a median priced home, homeowners insurance in LAREDO averages around $1,048 annually.

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

True homeownership costs go beyond principal and interest. In LAREDO, a typical homeowner with a median-priced home of $133,399 can expect to pay roughly $1,993/yr in property taxes, $1,048/yr for homeowners insurance, and $876/yr in energy utilities. That adds approximately $326 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.