Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

85388 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 85388 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 85388 Hub
Est. Total Monthly Cost
$3,148
P&I Payment$2,691
Taxes & Ins$240
Utilities$217
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 85388 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$513,343
Local Median: $513,343
$102,669 (20%)
%

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

Local Area Costs

Monthly$3,148

Monthly Breakdown

Principal & Interest
$2,691
Property Taxes
$156
Homeowners Ins.
$84
Utilities
$217

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$558,079

Local Housing Facts for ZIP Code 85388

  • ·Median home value: $513,343 (adjusted for current market conditions)
  • ·Est. property taxes: $1,867/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,013/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,607/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 SURPRISE?

Based on the local median home value, estimated real estate property taxes in SURPRISE are around $1,867 per year.

What is the average home price in SURPRISE?

The median home value in SURPRISE is currently estimated at $513,343.

How much does homeowners insurance cost in SURPRISE?

For a median priced home, homeowners insurance in SURPRISE averages around $1,013 annually.

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

True homeownership costs go beyond principal and interest. In SURPRISE, a typical homeowner with a median-priced home of $513,343 can expect to pay roughly $1,867/yr in property taxes, $1,013/yr for homeowners insurance, and $2,607/yr in energy utilities. That adds approximately $457 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.