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Essex Mortgage Calculator

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

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Est. Total Monthly Cost

$5,960

P&I Payment$4,938

Taxes & Ins$784

Utilities$238

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Mortgage Details

Home Price$941,372

Local Median: $941,372

Down Payment$188,274 (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$7,128

Homeowners Ins. / yr$2,281

Include Flood InsuranceOptional

Estimated based on Essex FEMA risk profiles.

Include Est. Utilities$2,850/yr

Based on DOE LEAD data for Essex.

Monthly$5,960

Monthly Breakdown

Principal & Interest

$4,938

Property Taxes

$594

Homeowners Ins.

$190

Utilities

$238

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$1,024,676

Local Housing Facts for Essex

·Median home value: $941,372 (adjusted for current market conditions)
·Est. property taxes: $7,128/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $2,281/yr — based on local per-$1K premium rates
·Energy utilities: $2,850/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 Essex Village?

Based on the local median home value, estimated real estate property taxes in Essex Village are around $7,128 per year.

What is the average home price in Essex Village?

The median home value in Essex Village is currently estimated at $941,372.

How much does homeowners insurance cost in Essex Village?

For a median priced home, homeowners insurance in Essex Village averages around $2,281 annually.

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

True homeownership costs go beyond principal and interest. In Essex Village, a typical homeowner with a median-priced home of $941,372 can expect to pay roughly $7,128/yr in property taxes, $2,281/yr for homeowners insurance, and $2,850/yr in energy utilities. That adds approximately $1,022 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.