Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Dayton Mortgage Calculator

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

← Back to Dayton Hub
Est. Total Monthly Cost
$1,485
P&I Payment$1,048
Taxes & Ins$247
Utilities$190
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Dayton 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

$196,704
Local Median: $196,704
$39,341 (20%)
%

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

Local Area Costs

Monthly$1,485

Monthly Breakdown

Principal & Interest
$1,048
Property Taxes
$174
Homeowners Ins.
$72
Utilities
$190

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$219,954

Local Housing Facts for Dayton

  • ·Median home value: $196,704 (adjusted for current market conditions)
  • ·Est. property taxes: $2,093/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $869/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,275/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 Dayton?

Based on the local median home value, estimated real estate property taxes in Dayton are around $2,093 per year.

What is the average home price in Dayton?

The median home value in Dayton is currently estimated at $196,704.

How much does homeowners insurance cost in Dayton?

For a median priced home, homeowners insurance in Dayton averages around $869 annually.

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

True homeownership costs go beyond principal and interest. In Dayton, a typical homeowner with a median-priced home of $196,704 can expect to pay roughly $2,093/yr in property taxes, $869/yr for homeowners insurance, and $2,275/yr in energy utilities. That adds approximately $436 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.