Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Floyd Mortgage Calculator

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

← Back to Floyd Hub
Est. Total Monthly Cost
$1,441
P&I Payment$1,105
Taxes & Ins$141
Utilities$195
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Floyd 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

$208,968
Local Median: $208,968
$41,794 (20%)
%

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

Local Area Costs

Monthly$1,441

Monthly Breakdown

Principal & Interest
$1,105
Property Taxes
$55
Homeowners Ins.
$87
Utilities
$195

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$230,599

Local Housing Facts for Floyd

  • ·Median home value: $208,968 (adjusted for current market conditions)
  • ·Est. property taxes: $655/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,041/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,334/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 Floyd?

Based on the local median home value, estimated real estate property taxes in Floyd are around $655 per year.

What is the average home price in Floyd?

The median home value in Floyd is currently estimated at $208,968.

How much does homeowners insurance cost in Floyd?

For a median priced home, homeowners insurance in Floyd averages around $1,041 annually.

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

True homeownership costs go beyond principal and interest. In Floyd, a typical homeowner with a median-priced home of $208,968 can expect to pay roughly $655/yr in property taxes, $1,041/yr for homeowners insurance, and $2,334/yr in energy utilities. That adds approximately $336 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.