Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Fire Island Mortgage Calculator

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

← Back to Fire Island Hub
Est. Total Monthly Cost
$5,497
P&I Payment$4,230
Taxes & Ins$979
Utilities$288
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Fire Island 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

$793,632
Local Median: $793,632
$158,726 (20%)
%

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

Local Area Costs

Monthly$5,497

Monthly Breakdown

Principal & Interest
$4,230
Property Taxes
$833
Homeowners Ins.
$146
Utilities
$288

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$887,746

Local Housing Facts for Fire Island

  • ·Median home value: $793,632 (adjusted for current market conditions)
  • ·Est. property taxes: $10,001/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,748/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,461/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 Fire Island?

Based on the local median home value, estimated real estate property taxes in Fire Island are around $10,001 per year.

What is the average home price in Fire Island?

The median home value in Fire Island is currently estimated at $793,632.

How much does homeowners insurance cost in Fire Island?

For a median priced home, homeowners insurance in Fire Island averages around $1,748 annually.

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

True homeownership costs go beyond principal and interest. In Fire Island, a typical homeowner with a median-priced home of $793,632 can expect to pay roughly $10,001/yr in property taxes, $1,748/yr for homeowners insurance, and $3,461/yr in energy utilities. That adds approximately $1,268 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.