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78069 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78069 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,291
P&I Payment$842
Taxes & Ins$282
Utilities$167
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Mortgage Details

$158,653
Local Median: $158,653
$31,731 (20%)
%

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

Local Area Costs

Monthly$1,291

Monthly Breakdown

Principal & Interest
$842
Property Taxes
$180
Homeowners Ins.
$102
Utilities
$167

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$176,363

Local Housing Facts for ZIP Code 78069

  • ·Median home value: $158,653 (adjusted for current market conditions)
  • ·Est. property taxes: $2,159/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,228/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,998/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 SOMERSET?

Based on the local median home value, estimated real estate property taxes in SOMERSET are around $2,159 per year.

What is the average home price in SOMERSET?

The median home value in SOMERSET is currently estimated at $158,653.

How much does homeowners insurance cost in SOMERSET?

For a median priced home, homeowners insurance in SOMERSET averages around $1,228 annually.

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

True homeownership costs go beyond principal and interest. In SOMERSET, a typical homeowner with a median-priced home of $158,653 can expect to pay roughly $2,159/yr in property taxes, $1,228/yr for homeowners insurance, and $1,998/yr in energy utilities. That adds approximately $449 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.