Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

78640 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78640 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 78640 Hub
Est. Total Monthly Cost
$2,495
P&I Payment$1,742
Taxes & Ins$598
Utilities$155
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 78640 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

$330,284
Local Median: $330,284
$66,057 (20%)
%

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

Local Area Costs

Monthly$2,495

Monthly Breakdown

Principal & Interest
$1,742
Property Taxes
$462
Homeowners Ins.
$136
Utilities
$155

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$363,072

Local Housing Facts for ZIP Code 78640

  • ·Median home value: $330,284 (adjusted for current market conditions)
  • ·Est. property taxes: $5,544/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,633/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,856/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 KYLE?

Based on the local median home value, estimated real estate property taxes in KYLE are around $5,544 per year.

What is the average home price in KYLE?

The median home value in KYLE is currently estimated at $330,284.

How much does homeowners insurance cost in KYLE?

For a median priced home, homeowners insurance in KYLE averages around $1,633 annually.

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

True homeownership costs go beyond principal and interest. In KYLE, a typical homeowner with a median-priced home of $330,284 can expect to pay roughly $5,544/yr in property taxes, $1,633/yr for homeowners insurance, and $1,856/yr in energy utilities. That adds approximately $753 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.