Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

98366 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 98366 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 98366 Hub
Est. Total Monthly Cost
$3,026
P&I Payment$2,518
Taxes & Ins$368
Utilities$140
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 98366 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

$479,465
Local Median: $479,465
$95,893 (20%)
%

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

Local Area Costs

Monthly$3,026

Monthly Breakdown

Principal & Interest
$2,518
Property Taxes
$291
Homeowners Ins.
$77
Utilities
$140

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$522,908

Local Housing Facts for ZIP Code 98366

  • ·Median home value: $479,465 (adjusted for current market conditions)
  • ·Est. property taxes: $3,486/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $926/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,679/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 PORT ORCHARD?

Based on the local median home value, estimated real estate property taxes in PORT ORCHARD are around $3,486 per year.

What is the average home price in PORT ORCHARD?

The median home value in PORT ORCHARD is currently estimated at $479,465.

How much does homeowners insurance cost in PORT ORCHARD?

For a median priced home, homeowners insurance in PORT ORCHARD averages around $926 annually.

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

True homeownership costs go beyond principal and interest. In PORT ORCHARD, a typical homeowner with a median-priced home of $479,465 can expect to pay roughly $3,486/yr in property taxes, $926/yr for homeowners insurance, and $1,679/yr in energy utilities. That adds approximately $508 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.