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Big Sur Mortgage Calculator

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

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Est. Total Monthly Cost

$2,016

P&I Payment$1,489

Taxes & Ins$259

Utilities$268

Also calculate:FHA Calculator VA Calculator

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Mortgage Details

Home Price$280,162

Local Median: $280,162

Down Payment$56,032 (20%)

Interest Rate

Loan Term

Credit Score

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

Local Area Costs

Property Taxes / yr$2,001

Homeowners Ins. / yr$1,107

Include Flood InsuranceOptional

Estimated based on Big Sur FEMA risk profiles.

Include Est. Utilities$3,214/yr

Based on DOE LEAD data for Big Sur.

Monthly$2,016

Monthly Breakdown

Principal & Interest

$1,489

Property Taxes

$167

Homeowners Ins.

$92

Utilities

$268

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$311,868

Local Housing Facts for Big Sur

·Median home value: $280,162 (adjusted for current market conditions)
·Est. property taxes: $2,001/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $1,107/yr — based on local per-$1K premium rates
·Energy utilities: $3,214/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 Big Sur?

Based on the local median home value, estimated real estate property taxes in Big Sur are around $2,001 per year.

What is the average home price in Big Sur?

The median home value in Big Sur is currently estimated at $280,162.

How much does homeowners insurance cost in Big Sur?

For a median priced home, homeowners insurance in Big Sur averages around $1,107 annually.

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

True homeownership costs go beyond principal and interest. In Big Sur, a typical homeowner with a median-priced home of $280,162 can expect to pay roughly $2,001/yr in property taxes, $1,107/yr for homeowners insurance, and $3,214/yr in energy utilities. That adds approximately $527 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.