Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

78629 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78629 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 78629 Hub
Est. Total Monthly Cost
$1,816
P&I Payment$1,203
Taxes & Ins$341
Utilities$271
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 78629 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

$226,996
Local Median: $226,996
$45,399 (20%)
%

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

Local Area Costs

Monthly$1,816

Monthly Breakdown

Principal & Interest
$1,203
Property Taxes
$213
Homeowners Ins.
$129
Utilities
$271

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$251,589

Local Housing Facts for ZIP Code 78629

  • ·Median home value: $226,996 (adjusted for current market conditions)
  • ·Est. property taxes: $2,551/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,542/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,255/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 GONZALES?

Based on the local median home value, estimated real estate property taxes in GONZALES are around $2,551 per year.

What is the average home price in GONZALES?

The median home value in GONZALES is currently estimated at $226,996.

How much does homeowners insurance cost in GONZALES?

For a median priced home, homeowners insurance in GONZALES averages around $1,542 annually.

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

True homeownership costs go beyond principal and interest. In GONZALES, a typical homeowner with a median-priced home of $226,996 can expect to pay roughly $2,551/yr in property taxes, $1,542/yr for homeowners insurance, and $3,255/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.