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85331 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 85331 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$5,164
P&I Payment$4,587
Taxes & Ins$314
Utilities$263
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Mortgage Details

$878,914
Local Median: $878,914
$175,783 (20%)
%

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

Local Area Costs

Monthly$5,164

Monthly Breakdown

Principal & Interest
$4,587
Property Taxes
$211
Homeowners Ins.
$103
Utilities
$263

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$948,081

Local Housing Facts for ZIP Code 85331

  • ·Median home value: $878,914 (adjusted for current market conditions)
  • ·Est. property taxes: $2,532/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,238/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,154/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 CAVE CREEK?

Based on the local median home value, estimated real estate property taxes in CAVE CREEK are around $2,532 per year.

What is the average home price in CAVE CREEK?

The median home value in CAVE CREEK is currently estimated at $878,914.

How much does homeowners insurance cost in CAVE CREEK?

For a median priced home, homeowners insurance in CAVE CREEK averages around $1,238 annually.

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

True homeownership costs go beyond principal and interest. In CAVE CREEK, a typical homeowner with a median-priced home of $878,914 can expect to pay roughly $2,532/yr in property taxes, $1,238/yr for homeowners insurance, and $3,154/yr in energy utilities. That adds approximately $577 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.