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Binghamton Mortgage Calculator

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

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Est. Total Monthly Cost
$1,574
P&I Payment$960
Taxes & Ins$400
Utilities$213
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Mortgage Details

$189,945
Local Median: $189,945
$37,989 (20%)
%

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

Local Area Costs

Monthly$1,574

Monthly Breakdown

Principal & Interest
$960
Property Taxes
$335
Homeowners Ins.
$65
Utilities
$213

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$193,812

Local Housing Facts for Binghamton

  • ·Median home value: $189,945 (adjusted for current market conditions)
  • ·Est. property taxes: $4,022/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $780/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,561/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 Binghamton?

Based on the local median home value, estimated real estate property taxes in Binghamton are around $4,022 per year.

What is the average home price in Binghamton?

The median home value in Binghamton is currently estimated at $189,945.

How much does homeowners insurance cost in Binghamton?

For a median priced home, homeowners insurance in Binghamton averages around $780 annually.

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

True homeownership costs go beyond principal and interest. In Binghamton, a typical homeowner with a median-priced home of $189,945 can expect to pay roughly $4,022/yr in property taxes, $780/yr for homeowners insurance, and $2,561/yr in energy utilities. That adds approximately $614 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.