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78635 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78635 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,266
P&I Payment$2,570
Taxes & Ins$557
Utilities$139
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Mortgage Details

$490,752
Local Median: $490,752
$98,150 (20%)
%

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

Local Area Costs

Monthly$3,266

Monthly Breakdown

Principal & Interest
$2,570
Property Taxes
$388
Homeowners Ins.
$169
Utilities
$139

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$532,670

Local Housing Facts for ZIP Code 78635

  • ·Median home value: $490,752 (adjusted for current market conditions)
  • ·Est. property taxes: $4,656/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,027/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,672/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 HYE?

Based on the local median home value, estimated real estate property taxes in HYE are around $4,656 per year.

What is the average home price in HYE?

The median home value in HYE is currently estimated at $490,752.

How much does homeowners insurance cost in HYE?

For a median priced home, homeowners insurance in HYE averages around $2,027 annually.

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

True homeownership costs go beyond principal and interest. In HYE, a typical homeowner with a median-priced home of $490,752 can expect to pay roughly $4,656/yr in property taxes, $2,027/yr for homeowners insurance, and $1,672/yr in energy utilities. That adds approximately $696 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.