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Chico Mortgage Calculator

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

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Est. Total Monthly Cost
$2,253
P&I Payment$1,702
Taxes & Ins$318
Utilities$232
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Mortgage Details

$324,257
Local Median: $324,257
$64,851 (20%)
%

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

Local Area Costs

Monthly$2,253

Monthly Breakdown

Principal & Interest
$1,702
Property Taxes
$196
Homeowners Ins.
$122
Utilities
$232

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$353,388

Local Housing Facts for Chico

  • ·Median home value: $324,257 (adjusted for current market conditions)
  • ·Est. property taxes: $2,352/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,466/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,787/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 $2,352 per year.

What is the average home price in Chico?

The median home value in Chico is currently estimated at $324,257.

How much does homeowners insurance cost in Chico?

For a median priced home, homeowners insurance in Chico averages around $1,466 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 $324,257 can expect to pay roughly $2,352/yr in property taxes, $1,466/yr for homeowners insurance, and $2,787/yr in energy utilities. That adds approximately $550 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.