Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Centerville Mortgage Calculator

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

← Back to Centerville Hub
Est. Total Monthly Cost
$1,582
P&I Payment$1,123
Taxes & Ins$254
Utilities$205
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Centerville scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$210,985
Local Median: $210,985
$42,197 (20%)
%

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

Local Area Costs

Monthly$1,582

Monthly Breakdown

Principal & Interest
$1,123
Property Taxes
$73
Homeowners Ins.
$181
Utilities
$205

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$235,433

Local Housing Facts for Centerville

  • ·Median home value: $210,985 (adjusted for current market conditions)
  • ·Est. property taxes: $873/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,177/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,456/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 Centerville?

Based on the local median home value, estimated real estate property taxes in Centerville are around $873 per year.

What is the average home price in Centerville?

The median home value in Centerville is currently estimated at $210,985.

How much does homeowners insurance cost in Centerville?

For a median priced home, homeowners insurance in Centerville averages around $2,177 annually.

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

True homeownership costs go beyond principal and interest. In Centerville, a typical homeowner with a median-priced home of $210,985 can expect to pay roughly $873/yr in property taxes, $2,177/yr for homeowners insurance, and $2,456/yr in energy utilities. That adds approximately $459 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.