Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Fredericksburg Mortgage Calculator

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

← Back to Fredericksburg Hub
Est. Total Monthly Cost
$3,519
P&I Payment$2,996
Taxes & Ins$355
Utilities$169
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Fredericksburg 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

$570,335
Local Median: $570,335
$114,067 (20%)
%

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

Local Area Costs

Monthly$3,519

Monthly Breakdown

Principal & Interest
$2,996
Property Taxes
$236
Homeowners Ins.
$119
Utilities
$169

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$622,231

Local Housing Facts for Fredericksburg

  • ·Median home value: $570,335 (adjusted for current market conditions)
  • ·Est. property taxes: $2,827/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,429/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,028/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 Fredericksburg City?

Based on the local median home value, estimated real estate property taxes in Fredericksburg City are around $2,827 per year.

What is the average home price in Fredericksburg City?

The median home value in Fredericksburg City is currently estimated at $570,335.

How much does homeowners insurance cost in Fredericksburg City?

For a median priced home, homeowners insurance in Fredericksburg City averages around $1,429 annually.

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

True homeownership costs go beyond principal and interest. In Fredericksburg City, a typical homeowner with a median-priced home of $570,335 can expect to pay roughly $2,827/yr in property taxes, $1,429/yr for homeowners insurance, and $2,028/yr in energy utilities. That adds approximately $524 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.