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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
$4,620
P&I Payment$3,822
Taxes & Ins$632
Utilities$166
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Mortgage Details

$730,161
Local Median: $730,161
$146,032 (20%)
%

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

Local Area Costs

Monthly$4,620

Monthly Breakdown

Principal & Interest
$3,822
Property Taxes
$501
Homeowners Ins.
$131
Utilities
$166

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$791,827

Local Housing Facts for Annapolis

  • ·Median home value: $730,161 (adjusted for current market conditions)
  • ·Est. property taxes: $6,013/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,572/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,990/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 $6,013 per year.

What is the average home price in Annapolis?

The median home value in Annapolis is currently estimated at $730,161.

How much does homeowners insurance cost in Annapolis?

For a median priced home, homeowners insurance in Annapolis averages around $1,572 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 $730,161 can expect to pay roughly $6,013/yr in property taxes, $1,572/yr for homeowners insurance, and $1,990/yr in energy utilities. That adds approximately $798 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.