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86002 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 86002 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$4,351
P&I Payment$3,908
Taxes & Ins$305
Utilities$138
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Mortgage Details

$748,860
Local Median: $748,860
$149,772 (20%)
%

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

Local Area Costs

Monthly$4,351

Monthly Breakdown

Principal & Interest
$3,908
Property Taxes
$225
Homeowners Ins.
$80
Utilities
$138

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$807,936

Local Housing Facts for ZIP Code 86002

  • ·Median home value: $748,860 (adjusted for current market conditions)
  • ·Est. property taxes: $2,704/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $958/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,651/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 FLAGSTAFF?

Based on the local median home value, estimated real estate property taxes in FLAGSTAFF are around $2,704 per year.

What is the average home price in FLAGSTAFF?

The median home value in FLAGSTAFF is currently estimated at $748,860.

How much does homeowners insurance cost in FLAGSTAFF?

For a median priced home, homeowners insurance in FLAGSTAFF averages around $958 annually.

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

True homeownership costs go beyond principal and interest. In FLAGSTAFF, a typical homeowner with a median-priced home of $748,860 can expect to pay roughly $2,704/yr in property taxes, $958/yr for homeowners insurance, and $1,651/yr in energy utilities. That adds approximately $443 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.