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El Campo Mortgage Calculator

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

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Est. Total Monthly Cost

$1,665

P&I Payment$1,034

Taxes & Ins$517

Utilities$115

Also calculate:FHA Calculator VA Calculator

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Mortgage Details

Home Price$193,221

Local Median: $193,221

Down Payment$38,644 (20%)

Interest Rate

Loan Term

Credit Score

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

Local Area Costs

Property Taxes / yr$2,829

Homeowners Ins. / yr$3,372

Include Flood InsuranceOptional

Estimated based on El Campo FEMA risk profiles.

Include Est. Utilities$1,378/yr

Based on DOE LEAD data for El Campo.

Monthly$1,665

Monthly Breakdown

Principal & Interest

$1,034

Property Taxes

$236

Homeowners Ins.

$281

Utilities

$115

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$217,556

Local Housing Facts for El Campo

·Median home value: $193,221 (adjusted for current market conditions)
·Est. property taxes: $2,829/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $3,372/yr — based on local per-$1K premium rates
·Energy utilities: $1,378/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 El Campo?

Based on the local median home value, estimated real estate property taxes in El Campo are around $2,829 per year.

What is the average home price in El Campo?

The median home value in El Campo is currently estimated at $193,221.

How much does homeowners insurance cost in El Campo?

For a median priced home, homeowners insurance in El Campo averages around $3,372 annually.

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

True homeownership costs go beyond principal and interest. In El Campo, a typical homeowner with a median-priced home of $193,221 can expect to pay roughly $2,829/yr in property taxes, $3,372/yr for homeowners insurance, and $1,378/yr in energy utilities. That adds approximately $632 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.