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89048 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 89048 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,189
P&I Payment$1,818
Taxes & Ins$172
Utilities$199
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Mortgage Details

$343,459
Local Median: $343,459
$68,692 (20%)
%

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

Local Area Costs

Monthly$2,189

Monthly Breakdown

Principal & Interest
$1,818
Property Taxes
$107
Homeowners Ins.
$65
Utilities
$199

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$379,808

Local Housing Facts for ZIP Code 89048

  • ·Median home value: $343,459 (adjusted for current market conditions)
  • ·Est. property taxes: $1,285/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $775/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,391/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 PAHRUMP?

Based on the local median home value, estimated real estate property taxes in PAHRUMP are around $1,285 per year.

What is the average home price in PAHRUMP?

The median home value in PAHRUMP is currently estimated at $343,459.

How much does homeowners insurance cost in PAHRUMP?

For a median priced home, homeowners insurance in PAHRUMP averages around $775 annually.

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

True homeownership costs go beyond principal and interest. In PAHRUMP, a typical homeowner with a median-priced home of $343,459 can expect to pay roughly $1,285/yr in property taxes, $775/yr for homeowners insurance, and $2,391/yr in energy utilities. That adds approximately $371 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.