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Elizabeth Mortgage Calculator

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

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Est. Total Monthly Cost

$1,631

P&I Payment$1,208

Taxes & Ins$247

Utilities$176

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Mortgage Details

Home Price$227,099

Local Median: $227,099

Down Payment$45,420 (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$1,531

Homeowners Ins. / yr$1,433

Include Flood InsuranceOptional

Estimated based on Elizabeth FEMA risk profiles.

Include Est. Utilities$2,107/yr

Based on DOE LEAD data for Elizabeth.

Monthly$1,631

Monthly Breakdown

Principal & Interest

$1,208

Property Taxes

$128

Homeowners Ins.

$119

Utilities

$176

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$253,239

Local Housing Facts for Elizabeth

·Median home value: $227,099 (adjusted for current market conditions)
·Est. property taxes: $1,531/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $1,433/yr — based on local per-$1K premium rates
·Energy utilities: $2,107/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 Elizabeth City?

Based on the local median home value, estimated real estate property taxes in Elizabeth City are around $1,531 per year.

What is the average home price in Elizabeth City?

The median home value in Elizabeth City is currently estimated at $227,099.

How much does homeowners insurance cost in Elizabeth City?

For a median priced home, homeowners insurance in Elizabeth City averages around $1,433 annually.

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

True homeownership costs go beyond principal and interest. In Elizabeth City, a typical homeowner with a median-priced home of $227,099 can expect to pay roughly $1,531/yr in property taxes, $1,433/yr for homeowners insurance, and $2,107/yr in energy utilities. That adds approximately $423 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.