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Brookings Mortgage Calculator

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

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Est. Total Monthly Cost
$1,975
P&I Payment$1,423
Taxes & Ins$374
Utilities$178
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Mortgage Details

$268,346
Local Median: $268,346
$53,669 (20%)
%

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

Local Area Costs

Monthly$1,975

Monthly Breakdown

Principal & Interest
$1,423
Property Taxes
$240
Homeowners Ins.
$134
Utilities
$178

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$297,730

Local Housing Facts for Brookings

  • ·Median home value: $268,346 (adjusted for current market conditions)
  • ·Est. property taxes: $2,876/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,610/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,139/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 Brookings?

Based on the local median home value, estimated real estate property taxes in Brookings are around $2,876 per year.

What is the average home price in Brookings?

The median home value in Brookings is currently estimated at $268,346.

How much does homeowners insurance cost in Brookings?

For a median priced home, homeowners insurance in Brookings averages around $1,610 annually.

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

True homeownership costs go beyond principal and interest. In Brookings, a typical homeowner with a median-priced home of $268,346 can expect to pay roughly $2,876/yr in property taxes, $1,610/yr for homeowners insurance, and $2,139/yr in energy utilities. That adds approximately $552 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.