Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

78638 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78638 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 78638 Hub
Est. Total Monthly Cost
$2,312
P&I Payment$1,839
Taxes & Ins$318
Utilities$155
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 78638 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

$351,365
Local Median: $351,365
$70,273 (20%)
%

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

Local Area Costs

Monthly$2,312

Monthly Breakdown

Principal & Interest
$1,839
Property Taxes
$199
Homeowners Ins.
$119
Utilities
$155

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$381,107

Local Housing Facts for ZIP Code 78638

  • ·Median home value: $351,365 (adjusted for current market conditions)
  • ·Est. property taxes: $2,389/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,426/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,858/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 KINGSBURY?

Based on the local median home value, estimated real estate property taxes in KINGSBURY are around $2,389 per year.

What is the average home price in KINGSBURY?

The median home value in KINGSBURY is currently estimated at $351,365.

How much does homeowners insurance cost in KINGSBURY?

For a median priced home, homeowners insurance in KINGSBURY averages around $1,426 annually.

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

True homeownership costs go beyond principal and interest. In KINGSBURY, a typical homeowner with a median-priced home of $351,365 can expect to pay roughly $2,389/yr in property taxes, $1,426/yr for homeowners insurance, and $1,858/yr in energy utilities. That adds approximately $473 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.