Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

97502 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 97502 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 97502 Hub
Est. Total Monthly Cost
$2,755
P&I Payment$2,279
Taxes & Ins$332
Utilities$144
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 97502 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

$432,837
Local Median: $432,837
$86,567 (20%)
%

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

Local Area Costs

Monthly$2,755

Monthly Breakdown

Principal & Interest
$2,279
Property Taxes
$272
Homeowners Ins.
$60
Utilities
$144

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$474,138

Local Housing Facts for ZIP Code 97502

  • ·Median home value: $432,837 (adjusted for current market conditions)
  • ·Est. property taxes: $3,268/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $716/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,729/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 CENTRAL POINT?

Based on the local median home value, estimated real estate property taxes in CENTRAL POINT are around $3,268 per year.

What is the average home price in CENTRAL POINT?

The median home value in CENTRAL POINT is currently estimated at $432,837.

How much does homeowners insurance cost in CENTRAL POINT?

For a median priced home, homeowners insurance in CENTRAL POINT averages around $716 annually.

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

True homeownership costs go beyond principal and interest. In CENTRAL POINT, a typical homeowner with a median-priced home of $432,837 can expect to pay roughly $3,268/yr in property taxes, $716/yr for homeowners insurance, and $1,729/yr in energy utilities. That adds approximately $476 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.