🏛️
FHA Calculator
Includes upfront + monthly MIP
🎖️
VA Calculator
VA funding fee · Zero monthly MIP

Safe Rate Local

Chico Mortgage Calculator

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

← Back to Chico Hub
Est. Total Monthly Cost
$2,766
P&I Payment$2,230
Taxes & Ins$335
Utilities$200

Mortgage Details

$441,104
Local Median: $441,104
$88,221 (20%)
%

Local Area Costs

Ready to see real rates?

Get a live quote priced specifically for Chico using Safe Rate's engine.

Monthly$2,766

Monthly Breakdown

Principal & Interest
$2,230
Property Taxes
$252
Homeowners Ins.
$84
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$450,083

Local Housing Facts for Chico

  • ·Median home value: $441,104 (adjusted for current market conditions)
  • ·Est. property taxes: $3,021/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,004/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/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 Chico?

Based on the local median home value, estimated real estate property taxes in Chico are around $3,021 per year.

What is the average home price in Chico?

The median home value in Chico is currently estimated at $441,104.

How much does homeowners insurance cost in Chico?

For a median priced home, homeowners insurance in Chico averages around $1,004 annually.

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

True homeownership costs go beyond principal and interest. In Chico, a typical homeowner with a median-priced home of $441,104 can expect to pay roughly $3,021/yr in property taxes, $1,004/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $535 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.