Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

95624 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 95624 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 95624 Hub
Est. Total Monthly Cost
$4,240
P&I Payment$3,546
Taxes & Ins$494
Utilities$200
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 95624 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

$678,544
Local Median: $678,544
$135,709 (20%)
%

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

Local Area Costs

Monthly$4,240

Monthly Breakdown

Principal & Interest
$3,546
Property Taxes
$410
Homeowners Ins.
$85
Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$733,766

Local Housing Facts for ZIP Code 95624

  • ·Median home value: $678,544 (adjusted for current market conditions)
  • ·Est. property taxes: $4,916/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,014/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,402/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 ELK GROVE?

Based on the local median home value, estimated real estate property taxes in ELK GROVE are around $4,916 per year.

What is the average home price in ELK GROVE?

The median home value in ELK GROVE is currently estimated at $678,544.

How much does homeowners insurance cost in ELK GROVE?

For a median priced home, homeowners insurance in ELK GROVE averages around $1,014 annually.

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

True homeownership costs go beyond principal and interest. In ELK GROVE, a typical homeowner with a median-priced home of $678,544 can expect to pay roughly $4,916/yr in property taxes, $1,014/yr for homeowners insurance, and $2,402/yr in energy utilities. That adds approximately $694 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.