Get & compare mortgage quotes anonymously from local lenders — no phone number, no SSN.Start in My Home

Local

87026 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 87026 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 87026 Hub

Est. Total Monthly Cost

$1,096

P&I Payment$758

Taxes & Ins$162

Utilities$176

Also calculate:FHA Calculator VA Calculator

Next steps

Take this 87026 scenario further — you stay anonymous.

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

Mortgage Details

Home Price$141,762

Local Median: $141,762

Down Payment$28,352 (20%)

Interest Rate

Loan Term

Credit Score

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

Local Area Costs

Property Taxes / yr$827

Homeowners Ins. / yr$1,111

Include Flood InsuranceOptional

Estimated based on ZIP Code 87026 FEMA risk profiles.

Include Est. Utilities$2,109/yr

Based on DOE LEAD data for ZIP Code 87026.

Monthly$1,096

Monthly Breakdown

Principal & Interest

$758

Property Taxes

$69

Homeowners Ins.

$93

Utilities

$176

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$159,561

Local Housing Facts for ZIP Code 87026

·Median home value: $141,762 (adjusted for current market conditions)
·Est. property taxes: $827/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $1,111/yr — based on local per-$1K premium rates
·Energy utilities: $2,109/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 LAGUNA?

Based on the local median home value, estimated real estate property taxes in LAGUNA are around $827 per year.

What is the average home price in LAGUNA?

The median home value in LAGUNA is currently estimated at $141,762.

How much does homeowners insurance cost in LAGUNA?

For a median priced home, homeowners insurance in LAGUNA averages around $1,111 annually.

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

True homeownership costs go beyond principal and interest. In LAGUNA, a typical homeowner with a median-priced home of $141,762 can expect to pay roughly $827/yr in property taxes, $1,111/yr for homeowners insurance, and $2,109/yr in energy utilities. That adds approximately $337 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.