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92602 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 92602 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$10,381
P&I Payment$9,308
Taxes & Ins$901
Utilities$172
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Mortgage Details

$1,750,235
Local Median: $1,750,235
$350,047 (20%)
%

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

Local Area Costs

Monthly$10,381

Monthly Breakdown

Principal & Interest
$9,308
Property Taxes
$808
Homeowners Ins.
$93
Utilities
$172

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,950,679

Local Housing Facts for ZIP Code 92602

  • ·Median home value: $1,750,235 (adjusted for current market conditions)
  • ·Est. property taxes: $9,693/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,116/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,065/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 IRVINE?

Based on the local median home value, estimated real estate property taxes in IRVINE are around $9,693 per year.

What is the average home price in IRVINE?

The median home value in IRVINE is currently estimated at $1,750,235.

How much does homeowners insurance cost in IRVINE?

For a median priced home, homeowners insurance in IRVINE averages around $1,116 annually.

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

True homeownership costs go beyond principal and interest. In IRVINE, a typical homeowner with a median-priced home of $1,750,235 can expect to pay roughly $9,693/yr in property taxes, $1,116/yr for homeowners insurance, and $2,065/yr in energy utilities. That adds approximately $1,073 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.