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Cary Mortgage Calculator

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

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Est. Total Monthly Cost
$3,046
P&I Payment$2,019
Taxes & Ins$782
Utilities$244
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Mortgage Details

$382,273
Local Median: $382,273
$76,455 (20%)
%

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

Local Area Costs

Monthly$3,046

Monthly Breakdown

Principal & Interest
$2,019
Property Taxes
$692
Homeowners Ins.
$91
Utilities
$244

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$421,181

Local Housing Facts for Cary

  • ·Median home value: $382,273 (adjusted for current market conditions)
  • ·Est. property taxes: $8,301/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,087/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,928/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 Cary?

Based on the local median home value, estimated real estate property taxes in Cary are around $8,301 per year.

What is the average home price in Cary?

The median home value in Cary is currently estimated at $382,273.

How much does homeowners insurance cost in Cary?

For a median priced home, homeowners insurance in Cary averages around $1,087 annually.

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

True homeownership costs go beyond principal and interest. In Cary, a typical homeowner with a median-priced home of $382,273 can expect to pay roughly $8,301/yr in property taxes, $1,087/yr for homeowners insurance, and $2,928/yr in energy utilities. That adds approximately $1,026 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.