Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

95464 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 95464 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 95464 Hub
Est. Total Monthly Cost
$1,286
P&I Payment$913
Taxes & Ins$171
Utilities$202
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 95464 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

$172,929
Local Median: $172,929
$34,586 (20%)
%

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

Local Area Costs

Monthly$1,286

Monthly Breakdown

Principal & Interest
$913
Property Taxes
$91
Homeowners Ins.
$80
Utilities
$202

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$190,430

Local Housing Facts for ZIP Code 95464

  • ·Median home value: $172,929 (adjusted for current market conditions)
  • ·Est. property taxes: $1,092/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $963/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,420/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 NICE?

Based on the local median home value, estimated real estate property taxes in NICE are around $1,092 per year.

What is the average home price in NICE?

The median home value in NICE is currently estimated at $172,929.

How much does homeowners insurance cost in NICE?

For a median priced home, homeowners insurance in NICE averages around $963 annually.

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

True homeownership costs go beyond principal and interest. In NICE, a typical homeowner with a median-priced home of $172,929 can expect to pay roughly $1,092/yr in property taxes, $963/yr for homeowners insurance, and $2,420/yr in energy utilities. That adds approximately $373 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.