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79258 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 79258 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$833
P&I Payment$455
Taxes & Ins$218
Utilities$160
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Mortgage Details

$86,000
Local Median: $86,000
$17,200 (20%)
%

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

Local Area Costs

Monthly$833

Monthly Breakdown

Principal & Interest
$455
Property Taxes
$87
Homeowners Ins.
$132
Utilities
$160

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$95,085

Local Housing Facts for ZIP Code 79258

  • ·Median home value: $86,000 (adjusted for current market conditions)
  • ·Est. property taxes: $1,041/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,578/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,919/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 SOUTH PLAINS?

Based on the local median home value, estimated real estate property taxes in SOUTH PLAINS are around $1,041 per year.

What is the average home price in SOUTH PLAINS?

The median home value in SOUTH PLAINS is currently estimated at $86,000.

How much does homeowners insurance cost in SOUTH PLAINS?

For a median priced home, homeowners insurance in SOUTH PLAINS averages around $1,578 annually.

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

True homeownership costs go beyond principal and interest. In SOUTH PLAINS, a typical homeowner with a median-priced home of $86,000 can expect to pay roughly $1,041/yr in property taxes, $1,578/yr for homeowners insurance, and $1,919/yr in energy utilities. That adds approximately $378 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.