Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

92617 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 92617 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 92617 Hub
Est. Total Monthly Cost
$4,640
P&I Payment$3,879
Taxes & Ins$626
Utilities$135
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 92617 scenario further — you stay anonymous.

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

Mortgage Details

$744,025
Local Median: $744,025
$148,805 (20%)
%

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

Local Area Costs

Monthly$4,640

Monthly Breakdown

Principal & Interest
$3,879
Property Taxes
$540
Homeowners Ins.
$86
Utilities
$135

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$801,292

Local Housing Facts for ZIP Code 92617

  • ·Median home value: $744,025 (adjusted for current market conditions)
  • ·Est. property taxes: $6,482/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,026/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,619/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 $6,482 per year.

What is the average home price in IRVINE?

The median home value in IRVINE is currently estimated at $744,025.

How much does homeowners insurance cost in IRVINE?

For a median priced home, homeowners insurance in IRVINE averages around $1,026 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 $744,025 can expect to pay roughly $6,482/yr in property taxes, $1,026/yr for homeowners insurance, and $1,619/yr in energy utilities. That adds approximately $761 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.