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79118 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 79118 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,824
P&I Payment$1,203
Taxes & Ins$434
Utilities$187
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Mortgage Details

$225,920
Local Median: $225,920
$45,184 (20%)
%

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

Local Area Costs

Monthly$1,824

Monthly Breakdown

Principal & Interest
$1,203
Property Taxes
$235
Homeowners Ins.
$199
Utilities
$187

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$252,449

Local Housing Facts for ZIP Code 79118

  • ·Median home value: $225,920 (adjusted for current market conditions)
  • ·Est. property taxes: $2,823/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,387/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,241/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 $2,823 per year.

What is the average home price in AMARILLO?

The median home value in AMARILLO is currently estimated at $225,920.

How much does homeowners insurance cost in AMARILLO?

For a median priced home, homeowners insurance in AMARILLO averages around $2,387 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 $225,920 can expect to pay roughly $2,823/yr in property taxes, $2,387/yr for homeowners insurance, and $2,241/yr in energy utilities. That adds approximately $621 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.