Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

78046 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78046 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 78046 Hub
Est. Total Monthly Cost
$1,275
P&I Payment$899
Taxes & Ins$293
Utilities$83
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 78046 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

$169,169
Local Median: $169,169
$33,834 (20%)
%

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

Local Area Costs

Monthly$1,275

Monthly Breakdown

Principal & Interest
$899
Property Taxes
$204
Homeowners Ins.
$89
Utilities
$83

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$188,249

Local Housing Facts for ZIP Code 78046

  • ·Median home value: $169,169 (adjusted for current market conditions)
  • ·Est. property taxes: $2,448/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,068/yr — based on local per-$1K premium rates
  • ·Energy utilities: $995/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 $2,448 per year.

What is the average home price in LAREDO?

The median home value in LAREDO is currently estimated at $169,169.

How much does homeowners insurance cost in LAREDO?

For a median priced home, homeowners insurance in LAREDO averages around $1,068 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 $169,169 can expect to pay roughly $2,448/yr in property taxes, $1,068/yr for homeowners insurance, and $995/yr in energy utilities. That adds approximately $376 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.