Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

78131 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78131 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 78131 Hub
Est. Total Monthly Cost
$2,998
P&I Payment$2,386
Taxes & Ins$425
Utilities$187
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 78131 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

$454,961
Local Median: $454,961
$90,992 (20%)
%

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

Local Area Costs

Monthly$2,998

Monthly Breakdown

Principal & Interest
$2,386
Property Taxes
$289
Homeowners Ins.
$136
Utilities
$187

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$495,134

Local Housing Facts for ZIP Code 78131

  • ·Median home value: $454,961 (adjusted for current market conditions)
  • ·Est. property taxes: $3,470/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,632/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,242/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 NEW BRAUNFELS?

Based on the local median home value, estimated real estate property taxes in NEW BRAUNFELS are around $3,470 per year.

What is the average home price in NEW BRAUNFELS?

The median home value in NEW BRAUNFELS is currently estimated at $454,961.

How much does homeowners insurance cost in NEW BRAUNFELS?

For a median priced home, homeowners insurance in NEW BRAUNFELS averages around $1,632 annually.

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

True homeownership costs go beyond principal and interest. In NEW BRAUNFELS, a typical homeowner with a median-priced home of $454,961 can expect to pay roughly $3,470/yr in property taxes, $1,632/yr for homeowners insurance, and $2,242/yr in energy utilities. That adds approximately $612 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.