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Fredericksburg Mortgage Calculator

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

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Est. Total Monthly Cost

$3,314

P&I Payment$2,537

Taxes & Ins$595

Utilities$182

Also calculate:FHA Calculator VA Calculator

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Mortgage Details

Home Price$482,995

Local Median: $482,995

Down Payment$96,599 (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$5,231

Homeowners Ins. / yr$1,910

Include Flood InsuranceOptional

Estimated based on Fredericksburg FEMA risk profiles.

Include Est. Utilities$2,180/yr

Based on DOE LEAD data for Fredericksburg.

Monthly$3,314

Monthly Breakdown

Principal & Interest

$2,537

Property Taxes

$436

Homeowners Ins.

$159

Utilities

$182

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$526,851

Local Housing Facts for Fredericksburg

·Median home value: $482,995 (adjusted for current market conditions)
·Est. property taxes: $5,231/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $1,910/yr — based on local per-$1K premium rates
·Energy utilities: $2,180/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?

Based on the local median home value, estimated real estate property taxes in Fredericksburg are around $5,231 per year.

What is the average home price in Fredericksburg?

The median home value in Fredericksburg is currently estimated at $482,995.

How much does homeowners insurance cost in Fredericksburg?

For a median priced home, homeowners insurance in Fredericksburg averages around $1,910 annually.

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

True homeownership costs go beyond principal and interest. In Fredericksburg, a typical homeowner with a median-priced home of $482,995 can expect to pay roughly $5,231/yr in property taxes, $1,910/yr for homeowners insurance, and $2,180/yr in energy utilities. That adds approximately $777 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.