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78118 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78118 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,699
P&I Payment$1,277
Taxes & Ins$232
Utilities$190
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Mortgage Details

$241,190
Local Median: $241,190
$48,238 (20%)
%

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

Local Area Costs

Monthly$1,699

Monthly Breakdown

Principal & Interest
$1,277
Property Taxes
$108
Homeowners Ins.
$125
Utilities
$190

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$266,669

Local Housing Facts for ZIP Code 78118

  • ·Median home value: $241,190 (adjusted for current market conditions)
  • ·Est. property taxes: $1,290/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,494/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,278/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 KARNES CITY?

Based on the local median home value, estimated real estate property taxes in KARNES CITY are around $1,290 per year.

What is the average home price in KARNES CITY?

The median home value in KARNES CITY is currently estimated at $241,190.

How much does homeowners insurance cost in KARNES CITY?

For a median priced home, homeowners insurance in KARNES CITY averages around $1,494 annually.

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

True homeownership costs go beyond principal and interest. In KARNES CITY, a typical homeowner with a median-priced home of $241,190 can expect to pay roughly $1,290/yr in property taxes, $1,494/yr for homeowners insurance, and $2,278/yr in energy utilities. That adds approximately $422 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.