Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

95062 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 95062 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 95062 Hub
Est. Total Monthly Cost
$7,234
P&I Payment$6,390
Taxes & Ins$664
Utilities$180
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 95062 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

$1,198,458
Local Median: $1,198,458
$239,692 (20%)
%

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

Local Area Costs

Monthly$7,234

Monthly Breakdown

Principal & Interest
$6,390
Property Taxes
$579
Homeowners Ins.
$85
Utilities
$180

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,341,738

Local Housing Facts for ZIP Code 95062

  • ·Median home value: $1,198,458 (adjusted for current market conditions)
  • ·Est. property taxes: $6,952/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,017/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,158/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 SANTA CRUZ?

Based on the local median home value, estimated real estate property taxes in SANTA CRUZ are around $6,952 per year.

What is the average home price in SANTA CRUZ?

The median home value in SANTA CRUZ is currently estimated at $1,198,458.

How much does homeowners insurance cost in SANTA CRUZ?

For a median priced home, homeowners insurance in SANTA CRUZ averages around $1,017 annually.

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

True homeownership costs go beyond principal and interest. In SANTA CRUZ, a typical homeowner with a median-priced home of $1,198,458 can expect to pay roughly $6,952/yr in property taxes, $1,017/yr for homeowners insurance, and $2,158/yr in energy utilities. That adds approximately $844 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.