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79104 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 79104 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,117
P&I Payment$633
Taxes & Ins$293
Utilities$191
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Mortgage Details

$115,008
Local Median: $115,008
$23,002 (20%)
%

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

Local Area Costs

Monthly$1,117

Monthly Breakdown

Principal & Interest
$633
Property Taxes
$123
Homeowners Ins.
$169
Utilities
$191

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$135,926

Local Housing Facts for ZIP Code 79104

  • ·Median home value: $115,008 (adjusted for current market conditions)
  • ·Est. property taxes: $1,477/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,033/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,291/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 AMARILLO?

Based on the local median home value, estimated real estate property taxes in AMARILLO are around $1,477 per year.

What is the average home price in AMARILLO?

The median home value in AMARILLO is currently estimated at $115,008.

How much does homeowners insurance cost in AMARILLO?

For a median priced home, homeowners insurance in AMARILLO averages around $2,033 annually.

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

True homeownership costs go beyond principal and interest. In AMARILLO, a typical homeowner with a median-priced home of $115,008 can expect to pay roughly $1,477/yr in property taxes, $2,033/yr for homeowners insurance, and $2,291/yr in energy utilities. That adds approximately $483 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.