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Bodega Bay Mortgage Calculator

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

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Est. Total Monthly Cost
$8,055
P&I Payment$7,041
Taxes & Ins$774
Utilities$241
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Mortgage Details

$1,352,685
Local Median: $1,352,685
$270,537 (20%)
%

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

Local Area Costs

Monthly$8,055

Monthly Breakdown

Principal & Interest
$7,041
Property Taxes
$691
Homeowners Ins.
$82
Utilities
$241

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,452,650

Local Housing Facts for Bodega Bay

  • ·Median home value: $1,352,685 (adjusted for current market conditions)
  • ·Est. property taxes: $8,295/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $988/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,886/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 Bodega Bay?

Based on the local median home value, estimated real estate property taxes in Bodega Bay are around $8,295 per year.

What is the average home price in Bodega Bay?

The median home value in Bodega Bay is currently estimated at $1,352,685.

How much does homeowners insurance cost in Bodega Bay?

For a median priced home, homeowners insurance in Bodega Bay averages around $988 annually.

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

True homeownership costs go beyond principal and interest. In Bodega Bay, a typical homeowner with a median-priced home of $1,352,685 can expect to pay roughly $8,295/yr in property taxes, $988/yr for homeowners insurance, and $2,886/yr in energy utilities. That adds approximately $1,014 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.