Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Commerce Mortgage Calculator

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

← Back to Commerce Hub
Est. Total Monthly Cost
$1,579
P&I Payment$1,156
Taxes & Ins$213
Utilities$209
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Commerce 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

$219,802
Local Median: $219,802
$43,960 (20%)
%

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

Local Area Costs

Monthly$1,579

Monthly Breakdown

Principal & Interest
$1,156
Property Taxes
$83
Homeowners Ins.
$131
Utilities
$209

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$240,479

Local Housing Facts for Commerce

  • ·Median home value: $219,802 (adjusted for current market conditions)
  • ·Est. property taxes: $992/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,568/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,507/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 Commerce?

Based on the local median home value, estimated real estate property taxes in Commerce are around $992 per year.

What is the average home price in Commerce?

The median home value in Commerce is currently estimated at $219,802.

How much does homeowners insurance cost in Commerce?

For a median priced home, homeowners insurance in Commerce averages around $1,568 annually.

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

True homeownership costs go beyond principal and interest. In Commerce, a typical homeowner with a median-priced home of $219,802 can expect to pay roughly $992/yr in property taxes, $1,568/yr for homeowners insurance, and $2,507/yr in energy utilities. That adds approximately $422 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.