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78377 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78377 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$985
P&I Payment$520
Taxes & Ins$331
Utilities$134
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Mortgage Details

$97,063
Local Median: $97,063
$19,413 (20%)
%

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

Local Area Costs

Monthly$985

Monthly Breakdown

Principal & Interest
$520
Property Taxes
$128
Homeowners Ins.
$203
Utilities
$134

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$109,457

Local Housing Facts for ZIP Code 78377

  • ·Median home value: $97,063 (adjusted for current market conditions)
  • ·Est. property taxes: $1,540/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,435/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,611/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 REFUGIO?

Based on the local median home value, estimated real estate property taxes in REFUGIO are around $1,540 per year.

What is the average home price in REFUGIO?

The median home value in REFUGIO is currently estimated at $97,063.

How much does homeowners insurance cost in REFUGIO?

For a median priced home, homeowners insurance in REFUGIO averages around $2,435 annually.

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

True homeownership costs go beyond principal and interest. In REFUGIO, a typical homeowner with a median-priced home of $97,063 can expect to pay roughly $1,540/yr in property taxes, $2,435/yr for homeowners insurance, and $1,611/yr in energy utilities. That adds approximately $466 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.