Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

78746 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 78746 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 78746 Hub
Est. Total Monthly Cost
$8,612
P&I Payment$7,296
Taxes & Ins$1,141
Utilities$176
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 78746 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

$1,427,407
Local Median: $1,427,407
$285,481 (20%)
%

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

Local Area Costs

Monthly$8,612

Monthly Breakdown

Principal & Interest
$7,296
Property Taxes
$833
Homeowners Ins.
$307
Utilities
$176

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,484,644

Local Housing Facts for ZIP Code 78746

  • ·Median home value: $1,427,407 (adjusted for current market conditions)
  • ·Est. property taxes: $10,001/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $3,687/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,109/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 $10,001 per year.

What is the average home price in AUSTIN?

The median home value in AUSTIN is currently estimated at $1,427,407.

How much does homeowners insurance cost in AUSTIN?

For a median priced home, homeowners insurance in AUSTIN averages around $3,687 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 $1,427,407 can expect to pay roughly $10,001/yr in property taxes, $3,687/yr for homeowners insurance, and $2,109/yr in energy utilities. That adds approximately $1,316 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.