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Delray Beach Mortgage Calculator

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

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Est. Total Monthly Cost
$4,534
P&I Payment$3,759
Taxes & Ins$632
Utilities$143
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Mortgage Details

$713,812
Local Median: $713,812
$142,762 (20%)
%

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

Local Area Costs

Monthly$4,534

Monthly Breakdown

Principal & Interest
$3,759
Property Taxes
$356
Homeowners Ins.
$276
Utilities
$143

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$782,199

Local Housing Facts for Delray Beach

  • ·Median home value: $713,812 (adjusted for current market conditions)
  • ·Est. property taxes: $4,277/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $3,311/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,712/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 Delray Beach?

Based on the local median home value, estimated real estate property taxes in Delray Beach are around $4,277 per year.

What is the average home price in Delray Beach?

The median home value in Delray Beach is currently estimated at $713,812.

How much does homeowners insurance cost in Delray Beach?

For a median priced home, homeowners insurance in Delray Beach averages around $3,311 annually.

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

True homeownership costs go beyond principal and interest. In Delray Beach, a typical homeowner with a median-priced home of $713,812 can expect to pay roughly $4,277/yr in property taxes, $3,311/yr for homeowners insurance, and $1,712/yr in energy utilities. That adds approximately $775 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.