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Colonial Heights Mortgage Calculator

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

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Est. Total Monthly Cost
$2,478
P&I Payment$2,105
Taxes & Ins$200
Utilities$174
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Mortgage Details

$395,479
Local Median: $395,479
$79,096 (20%)
%

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

Local Area Costs

Monthly$2,478

Monthly Breakdown

Principal & Interest
$2,105
Property Taxes
$135
Homeowners Ins.
$65
Utilities
$174

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$441,383

Local Housing Facts for Colonial Heights

  • ·Median home value: $395,479 (adjusted for current market conditions)
  • ·Est. property taxes: $1,621/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $777/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,085/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 Colonial Heights?

Based on the local median home value, estimated real estate property taxes in Colonial Heights are around $1,621 per year.

What is the average home price in Colonial Heights?

The median home value in Colonial Heights is currently estimated at $395,479.

How much does homeowners insurance cost in Colonial Heights?

For a median priced home, homeowners insurance in Colonial Heights averages around $777 annually.

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

True homeownership costs go beyond principal and interest. In Colonial Heights, a typical homeowner with a median-priced home of $395,479 can expect to pay roughly $1,621/yr in property taxes, $777/yr for homeowners insurance, and $2,085/yr in energy utilities. That adds approximately $374 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.