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88004 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 88004 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,295
P&I Payment$983
Taxes & Ins$167
Utilities$145
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Mortgage Details

$185,533
Local Median: $185,533
$37,107 (20%)
%

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

Local Area Costs

Monthly$1,295

Monthly Breakdown

Principal & Interest
$983
Property Taxes
$71
Homeowners Ins.
$96
Utilities
$145

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$205,490

Local Housing Facts for ZIP Code 88004

  • ·Median home value: $185,533 (adjusted for current market conditions)
  • ·Est. property taxes: $848/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,151/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,741/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 LAS CRUCES?

Based on the local median home value, estimated real estate property taxes in LAS CRUCES are around $848 per year.

What is the average home price in LAS CRUCES?

The median home value in LAS CRUCES is currently estimated at $185,533.

How much does homeowners insurance cost in LAS CRUCES?

For a median priced home, homeowners insurance in LAS CRUCES averages around $1,151 annually.

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

True homeownership costs go beyond principal and interest. In LAS CRUCES, a typical homeowner with a median-priced home of $185,533 can expect to pay roughly $848/yr in property taxes, $1,151/yr for homeowners insurance, and $1,741/yr in energy utilities. That adds approximately $312 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.