Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

El Paso Mortgage Calculator

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

← Back to El Paso Hub
Est. Total Monthly Cost
$1,430
P&I Payment$1,084
Taxes & Ins$149
Utilities$197
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this El Paso 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

$206,621
Local Median: $206,621
$41,324 (20%)
%

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

Local Area Costs

Monthly$1,430

Monthly Breakdown

Principal & Interest
$1,084
Property Taxes
$61
Homeowners Ins.
$87
Utilities
$197

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$225,064

Local Housing Facts for El Paso

  • ·Median home value: $206,621 (adjusted for current market conditions)
  • ·Est. property taxes: $734/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,048/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,360/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 Paso?

Based on the local median home value, estimated real estate property taxes in El Paso are around $734 per year.

What is the average home price in El Paso?

The median home value in El Paso is currently estimated at $206,621.

How much does homeowners insurance cost in El Paso?

For a median priced home, homeowners insurance in El Paso averages around $1,048 annually.

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

True homeownership costs go beyond principal and interest. In El Paso, a typical homeowner with a median-priced home of $206,621 can expect to pay roughly $734/yr in property taxes, $1,048/yr for homeowners insurance, and $2,360/yr in energy utilities. That adds approximately $345 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.