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Cape Carteret Mortgage Calculator

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

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Est. Total Monthly Cost
$3,654
P&I Payment$2,463
Taxes & Ins$1,038
Utilities$153
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Mortgage Details

$463,738
Local Median: $463,738
$92,748 (20%)
%

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

Local Area Costs

Monthly$3,654

Monthly Breakdown

Principal & Interest
$2,463
Property Taxes
$140
Homeowners Ins.
$899
Utilities
$153

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$515,682

Local Housing Facts for Cape Carteret

  • ·Median home value: $463,738 (adjusted for current market conditions)
  • ·Est. property taxes: $1,677/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $10,782/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,836/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 Cape Carteret?

Based on the local median home value, estimated real estate property taxes in Cape Carteret are around $1,677 per year.

What is the average home price in Cape Carteret?

The median home value in Cape Carteret is currently estimated at $463,738.

How much does homeowners insurance cost in Cape Carteret?

For a median priced home, homeowners insurance in Cape Carteret averages around $10,782 annually.

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

True homeownership costs go beyond principal and interest. In Cape Carteret, a typical homeowner with a median-priced home of $463,738 can expect to pay roughly $1,677/yr in property taxes, $10,782/yr for homeowners insurance, and $1,836/yr in energy utilities. That adds approximately $1,191 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.