Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Derry Mortgage Calculator

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

← Back to Derry Hub
Est. Total Monthly Cost
$3,469
P&I Payment$2,535
Taxes & Ins$685
Utilities$249
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Derry 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

$482,992
Local Median: $482,992
$96,598 (20%)
%

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

Local Area Costs

Monthly$3,469

Monthly Breakdown

Principal & Interest
$2,535
Property Taxes
$614
Homeowners Ins.
$71
Utilities
$249

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$526,383

Local Housing Facts for Derry

  • ·Median home value: $482,992 (adjusted for current market conditions)
  • ·Est. property taxes: $7,368/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $853/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,983/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 Derry?

Based on the local median home value, estimated real estate property taxes in Derry are around $7,368 per year.

What is the average home price in Derry?

The median home value in Derry is currently estimated at $482,992.

How much does homeowners insurance cost in Derry?

For a median priced home, homeowners insurance in Derry averages around $853 annually.

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

True homeownership costs go beyond principal and interest. In Derry, a typical homeowner with a median-priced home of $482,992 can expect to pay roughly $7,368/yr in property taxes, $853/yr for homeowners insurance, and $2,983/yr in energy utilities. That adds approximately $934 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.