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78584 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78584 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$760
P&I Payment$480
Taxes & Ins$186
Utilities$94
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Mortgage Details

$88,619
Local Median: $88,619
$17,724 (20%)
%

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

Local Area Costs

Monthly$760

Monthly Breakdown

Principal & Interest
$480
Property Taxes
$99
Homeowners Ins.
$87
Utilities
$94

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$101,881

Local Housing Facts for ZIP Code 78584

  • ·Median home value: $88,619 (adjusted for current market conditions)
  • ·Est. property taxes: $1,191/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,046/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,127/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 ROMA?

Based on the local median home value, estimated real estate property taxes in ROMA are around $1,191 per year.

What is the average home price in ROMA?

The median home value in ROMA is currently estimated at $88,619.

How much does homeowners insurance cost in ROMA?

For a median priced home, homeowners insurance in ROMA averages around $1,046 annually.

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

True homeownership costs go beyond principal and interest. In ROMA, a typical homeowner with a median-priced home of $88,619 can expect to pay roughly $1,191/yr in property taxes, $1,046/yr for homeowners insurance, and $1,127/yr in energy utilities. That adds approximately $280 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.