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78539 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78539 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,844
P&I Payment$1,245
Taxes & Ins$512
Utilities$87
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Mortgage Details

$234,931
Local Median: $234,931
$46,986 (20%)
%

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

Local Area Costs

Monthly$1,844

Monthly Breakdown

Principal & Interest
$1,245
Property Taxes
$291
Homeowners Ins.
$222
Utilities
$87

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$260,111

Local Housing Facts for ZIP Code 78539

  • ·Median home value: $234,931 (adjusted for current market conditions)
  • ·Est. property taxes: $3,488/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,661/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,049/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 EDINBURG?

Based on the local median home value, estimated real estate property taxes in EDINBURG are around $3,488 per year.

What is the average home price in EDINBURG?

The median home value in EDINBURG is currently estimated at $234,931.

How much does homeowners insurance cost in EDINBURG?

For a median priced home, homeowners insurance in EDINBURG averages around $2,661 annually.

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

True homeownership costs go beyond principal and interest. In EDINBURG, a typical homeowner with a median-priced home of $234,931 can expect to pay roughly $3,488/yr in property taxes, $2,661/yr for homeowners insurance, and $1,049/yr in energy utilities. That adds approximately $600 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.