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Celina Mortgage Calculator

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

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Est. Total Monthly Cost
$1,360
P&I Payment$1,002
Taxes & Ins$184
Utilities$174
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Mortgage Details

$191,727
Local Median: $191,727
$38,345 (20%)
%

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

Local Area Costs

Monthly$1,360

Monthly Breakdown

Principal & Interest
$1,002
Property Taxes
$65
Homeowners Ins.
$120
Utilities
$174

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$207,257

Local Housing Facts for Celina

  • ·Median home value: $191,727 (adjusted for current market conditions)
  • ·Est. property taxes: $778/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,435/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,082/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 Celina?

Based on the local median home value, estimated real estate property taxes in Celina are around $778 per year.

What is the average home price in Celina?

The median home value in Celina is currently estimated at $191,727.

How much does homeowners insurance cost in Celina?

For a median priced home, homeowners insurance in Celina averages around $1,435 annually.

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

True homeownership costs go beyond principal and interest. In Celina, a typical homeowner with a median-priced home of $191,727 can expect to pay roughly $778/yr in property taxes, $1,435/yr for homeowners insurance, and $2,082/yr in energy utilities. That adds approximately $358 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.