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95926 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 95926 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,167
P&I Payment$2,607
Taxes & Ins$362
Utilities$199
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Mortgage Details

$496,165
Local Median: $496,165
$99,233 (20%)
%

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

Local Area Costs

Monthly$3,167

Monthly Breakdown

Principal & Interest
$2,607
Property Taxes
$278
Homeowners Ins.
$84
Utilities
$199

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$541,599

Local Housing Facts for ZIP Code 95926

  • ·Median home value: $496,165 (adjusted for current market conditions)
  • ·Est. property taxes: $3,333/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,008/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,382/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 CHICO?

Based on the local median home value, estimated real estate property taxes in CHICO are around $3,333 per year.

What is the average home price in CHICO?

The median home value in CHICO is currently estimated at $496,165.

How much does homeowners insurance cost in CHICO?

For a median priced home, homeowners insurance in CHICO averages around $1,008 annually.

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

True homeownership costs go beyond principal and interest. In CHICO, a typical homeowner with a median-priced home of $496,165 can expect to pay roughly $3,333/yr in property taxes, $1,008/yr for homeowners insurance, and $2,382/yr in energy utilities. That adds approximately $560 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.