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Clearwater Mortgage Calculator

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

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Est. Total Monthly Cost
$1,192
P&I Payment$888
Taxes & Ins$92
Utilities$212
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Mortgage Details

$168,753
Local Median: $168,753
$33,751 (20%)
%

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

Local Area Costs

Monthly$1,192

Monthly Breakdown

Principal & Interest
$888
Property Taxes
$53
Homeowners Ins.
$39
Utilities
$212

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$184,660

Local Housing Facts for Clearwater

  • ·Median home value: $168,753 (adjusted for current market conditions)
  • ·Est. property taxes: $635/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $472/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,538/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 Clearwater?

Based on the local median home value, estimated real estate property taxes in Clearwater are around $635 per year.

What is the average home price in Clearwater?

The median home value in Clearwater is currently estimated at $168,753.

How much does homeowners insurance cost in Clearwater?

For a median priced home, homeowners insurance in Clearwater averages around $472 annually.

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

True homeownership costs go beyond principal and interest. In Clearwater, a typical homeowner with a median-priced home of $168,753 can expect to pay roughly $635/yr in property taxes, $472/yr for homeowners insurance, and $2,538/yr in energy utilities. That adds approximately $304 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.