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Ely Mortgage Calculator

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

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Est. Total Monthly Cost
$2,269
P&I Payment$1,631
Taxes & Ins$418
Utilities$220
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Mortgage Details

$307,459
Local Median: $307,459
$61,492 (20%)
%

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

Local Area Costs

Monthly$2,269

Monthly Breakdown

Principal & Interest
$1,631
Property Taxes
$327
Homeowners Ins.
$91
Utilities
$220

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$341,244

Local Housing Facts for Ely

  • ·Median home value: $307,459 (adjusted for current market conditions)
  • ·Est. property taxes: $3,918/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,096/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,635/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 Ely?

Based on the local median home value, estimated real estate property taxes in Ely are around $3,918 per year.

What is the average home price in Ely?

The median home value in Ely is currently estimated at $307,459.

How much does homeowners insurance cost in Ely?

For a median priced home, homeowners insurance in Ely averages around $1,096 annually.

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

True homeownership costs go beyond principal and interest. In Ely, a typical homeowner with a median-priced home of $307,459 can expect to pay roughly $3,918/yr in property taxes, $1,096/yr for homeowners insurance, and $2,635/yr in energy utilities. That adds approximately $637 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.