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78704 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78704 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$5,702
P&I Payment$4,582
Taxes & Ins$1,012
Utilities$109
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Mortgage Details

$877,295
Local Median: $877,295
$175,459 (20%)
%

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

Local Area Costs

Monthly$5,702

Monthly Breakdown

Principal & Interest
$4,582
Property Taxes
$795
Homeowners Ins.
$217
Utilities
$109

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$947,513

Local Housing Facts for ZIP Code 78704

  • ·Median home value: $877,295 (adjusted for current market conditions)
  • ·Est. property taxes: $9,538/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,602/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,309/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 AUSTIN?

Based on the local median home value, estimated real estate property taxes in AUSTIN are around $9,538 per year.

What is the average home price in AUSTIN?

The median home value in AUSTIN is currently estimated at $877,295.

How much does homeowners insurance cost in AUSTIN?

For a median priced home, homeowners insurance in AUSTIN averages around $2,602 annually.

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

True homeownership costs go beyond principal and interest. In AUSTIN, a typical homeowner with a median-priced home of $877,295 can expect to pay roughly $9,538/yr in property taxes, $2,602/yr for homeowners insurance, and $1,309/yr in energy utilities. That adds approximately $1,121 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.