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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
$3,690
P&I Payment$3,129
Taxes & Ins$361
Utilities$200

Mortgage Details

$594,385
Local Median: $594,385
$118,877 (20%)
%

Local Area Costs

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Get a live quote priced specifically for Fredericksburg City using Safe Rate's engine.

Monthly$3,690

Monthly Breakdown

Principal & Interest
$3,129
Property Taxes
$243
Homeowners Ins.
$119
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$650,758

Local Housing Facts for Fredericksburg

  • ·Median home value: $594,385 (adjusted for current market conditions)
  • ·Est. property taxes: $2,912/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,422/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/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 $2,912 per year.

What is the average home price in Fredericksburg City?

The median home value in Fredericksburg City is currently estimated at $594,385.

How much does homeowners insurance cost in Fredericksburg City?

For a median priced home, homeowners insurance in Fredericksburg City averages around $1,422 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 $594,385 can expect to pay roughly $2,912/yr in property taxes, $1,422/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $561 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.