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Annapolis Mortgage Calculator

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

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Est. Total Monthly Cost
$1,227
P&I Payment$721
Taxes & Ins$223
Utilities$283
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Mortgage Details

$135,638
Local Median: $135,638
$27,128 (20%)
%

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

Local Area Costs

Monthly$1,227

Monthly Breakdown

Principal & Interest
$721
Property Taxes
$156
Homeowners Ins.
$67
Utilities
$283

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$151,224

Local Housing Facts for Annapolis

  • ·Median home value: $135,638 (adjusted for current market conditions)
  • ·Est. property taxes: $1,870/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $803/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,396/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 Annapolis?

Based on the local median home value, estimated real estate property taxes in Annapolis are around $1,870 per year.

What is the average home price in Annapolis?

The median home value in Annapolis is currently estimated at $135,638.

How much does homeowners insurance cost in Annapolis?

For a median priced home, homeowners insurance in Annapolis averages around $803 annually.

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

True homeownership costs go beyond principal and interest. In Annapolis, a typical homeowner with a median-priced home of $135,638 can expect to pay roughly $1,870/yr in property taxes, $803/yr for homeowners insurance, and $3,396/yr in energy utilities. That adds approximately $506 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.