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Freeport Mortgage Calculator

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

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Est. Total Monthly Cost

$4,235

P&I Payment$3,087

Taxes & Ins$938

Utilities$210

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Mortgage Details

Home Price$588,648

Local Median: $588,648

Down Payment$117,730 (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$9,784

Homeowners Ins. / yr$1,476

Include Flood InsuranceOptional

Estimated based on Freeport FEMA risk profiles.

Include Est. Utilities$2,522/yr

Based on DOE LEAD data for Freeport.

Monthly$4,235

Monthly Breakdown

Principal & Interest

$3,087

Property Taxes

$815

Homeowners Ins.

$123

Utilities

$210

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$640,286

Local Housing Facts for Freeport

·Median home value: $588,648 (adjusted for current market conditions)
·Est. property taxes: $9,784/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $1,476/yr — based on local per-$1K premium rates
·Energy utilities: $2,522/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 Freeport?

Based on the local median home value, estimated real estate property taxes in Freeport are around $9,784 per year.

What is the average home price in Freeport?

The median home value in Freeport is currently estimated at $588,648.

How much does homeowners insurance cost in Freeport?

For a median priced home, homeowners insurance in Freeport averages around $1,476 annually.

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

True homeownership costs go beyond principal and interest. In Freeport, a typical homeowner with a median-priced home of $588,648 can expect to pay roughly $9,784/yr in property taxes, $1,476/yr for homeowners insurance, and $2,522/yr in energy utilities. That adds approximately $1,149 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.