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98631 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 98631 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,624
P&I Payment$2,227
Taxes & Ins$297
Utilities$100
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Mortgage Details

$422,675
Local Median: $422,675
$84,535 (20%)
%

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

Local Area Costs

Monthly$2,624

Monthly Breakdown

Principal & Interest
$2,227
Property Taxes
$219
Homeowners Ins.
$78
Utilities
$100

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$463,658

Local Housing Facts for ZIP Code 98631

  • ·Median home value: $422,675 (adjusted for current market conditions)
  • ·Est. property taxes: $2,626/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $935/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,203/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 LONG BEACH?

Based on the local median home value, estimated real estate property taxes in LONG BEACH are around $2,626 per year.

What is the average home price in LONG BEACH?

The median home value in LONG BEACH is currently estimated at $422,675.

How much does homeowners insurance cost in LONG BEACH?

For a median priced home, homeowners insurance in LONG BEACH averages around $935 annually.

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

True homeownership costs go beyond principal and interest. In LONG BEACH, a typical homeowner with a median-priced home of $422,675 can expect to pay roughly $2,626/yr in property taxes, $935/yr for homeowners insurance, and $1,203/yr in energy utilities. That adds approximately $397 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.