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95066 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 95066 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$9,306
P&I Payment$8,228
Taxes & Ins$827
Utilities$251
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Mortgage Details

$1,545,277
Local Median: $1,545,277
$309,055 (20%)
%

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

Local Area Costs

Monthly$9,306

Monthly Breakdown

Principal & Interest
$8,228
Property Taxes
$740
Homeowners Ins.
$87
Utilities
$251

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,725,835

Local Housing Facts for ZIP Code 95066

  • ·Median home value: $1,545,277 (adjusted for current market conditions)
  • ·Est. property taxes: $8,874/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,048/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,016/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 SCOTTS VALLEY?

Based on the local median home value, estimated real estate property taxes in SCOTTS VALLEY are around $8,874 per year.

What is the average home price in SCOTTS VALLEY?

The median home value in SCOTTS VALLEY is currently estimated at $1,545,277.

How much does homeowners insurance cost in SCOTTS VALLEY?

For a median priced home, homeowners insurance in SCOTTS VALLEY averages around $1,048 annually.

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

True homeownership costs go beyond principal and interest. In SCOTTS VALLEY, a typical homeowner with a median-priced home of $1,545,277 can expect to pay roughly $8,874/yr in property taxes, $1,048/yr for homeowners insurance, and $3,016/yr in energy utilities. That adds approximately $1,078 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.