Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

78745 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78745 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 78745 Hub
Est. Total Monthly Cost
$3,447
P&I Payment$2,612
Taxes & Ins$701
Utilities$134
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 78745 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

$497,631
Local Median: $497,631
$99,526 (20%)
%

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

Local Area Costs

Monthly$3,447

Monthly Breakdown

Principal & Interest
$2,612
Property Taxes
$541
Homeowners Ins.
$160
Utilities
$134

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$542,050

Local Housing Facts for ZIP Code 78745

  • ·Median home value: $497,631 (adjusted for current market conditions)
  • ·Est. property taxes: $6,494/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,923/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,611/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 $6,494 per year.

What is the average home price in AUSTIN?

The median home value in AUSTIN is currently estimated at $497,631.

How much does homeowners insurance cost in AUSTIN?

For a median priced home, homeowners insurance in AUSTIN averages around $1,923 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 $497,631 can expect to pay roughly $6,494/yr in property taxes, $1,923/yr for homeowners insurance, and $1,611/yr in energy utilities. That adds approximately $836 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.