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79086 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 79086 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,348
P&I Payment$787
Taxes & Ins$281
Utilities$280
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Mortgage Details

$145,164
Local Median: $145,164
$29,033 (20%)
%

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

Local Area Costs

Monthly$1,348

Monthly Breakdown

Principal & Interest
$787
Property Taxes
$146
Homeowners Ins.
$135
Utilities
$280

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$167,199

Local Housing Facts for ZIP Code 79086

  • ·Median home value: $145,164 (adjusted for current market conditions)
  • ·Est. property taxes: $1,752/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,615/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,364/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 SUNRAY?

Based on the local median home value, estimated real estate property taxes in SUNRAY are around $1,752 per year.

What is the average home price in SUNRAY?

The median home value in SUNRAY is currently estimated at $145,164.

How much does homeowners insurance cost in SUNRAY?

For a median priced home, homeowners insurance in SUNRAY averages around $1,615 annually.

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

True homeownership costs go beyond principal and interest. In SUNRAY, a typical homeowner with a median-priced home of $145,164 can expect to pay roughly $1,752/yr in property taxes, $1,615/yr for homeowners insurance, and $3,364/yr in energy utilities. That adds approximately $561 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.