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Austin Mortgage Calculator

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

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Est. Total Monthly Cost
$1,933
P&I Payment$1,498
Taxes & Ins$220
Utilities$215
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Mortgage Details

$284,961
Local Median: $284,961
$56,992 (20%)
%

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

Local Area Costs

Monthly$1,933

Monthly Breakdown

Principal & Interest
$1,498
Property Taxes
$151
Homeowners Ins.
$69
Utilities
$215

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$311,439

Local Housing Facts for Austin

  • ·Median home value: $284,961 (adjusted for current market conditions)
  • ·Est. property taxes: $1,813/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $826/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,574/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 Austin?

Based on the local median home value, estimated real estate property taxes in Austin are around $1,813 per year.

What is the average home price in Austin?

The median home value in Austin is currently estimated at $284,961.

How much does homeowners insurance cost in Austin?

For a median priced home, homeowners insurance in Austin averages around $826 annually.

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

True homeownership costs go beyond principal and interest. In Austin, a typical homeowner with a median-priced home of $284,961 can expect to pay roughly $1,813/yr in property taxes, $826/yr for homeowners insurance, and $2,574/yr in energy utilities. That adds approximately $434 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.