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78159 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78159 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,309
P&I Payment$883
Taxes & Ins$237
Utilities$190
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Mortgage Details

$167,680
Local Median: $167,680
$33,536 (20%)
%

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

Local Area Costs

Monthly$1,309

Monthly Breakdown

Principal & Interest
$883
Property Taxes
$125
Homeowners Ins.
$112
Utilities
$190

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$183,615

Local Housing Facts for ZIP Code 78159

  • ·Median home value: $167,680 (adjusted for current market conditions)
  • ·Est. property taxes: $1,497/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,344/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,276/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 SMILEY?

Based on the local median home value, estimated real estate property taxes in SMILEY are around $1,497 per year.

What is the average home price in SMILEY?

The median home value in SMILEY is currently estimated at $167,680.

How much does homeowners insurance cost in SMILEY?

For a median priced home, homeowners insurance in SMILEY averages around $1,344 annually.

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

True homeownership costs go beyond principal and interest. In SMILEY, a typical homeowner with a median-priced home of $167,680 can expect to pay roughly $1,497/yr in property taxes, $1,344/yr for homeowners insurance, and $2,276/yr in energy utilities. That adds approximately $426 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.