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Fresno Mortgage Calculator

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

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Est. Total Monthly Cost
$2,616
P&I Payment$2,102
Taxes & Ins$289
Utilities$226
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Mortgage Details

$398,581
Local Median: $398,581
$79,716 (20%)
%

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

Local Area Costs

Monthly$2,616

Monthly Breakdown

Principal & Interest
$2,102
Property Taxes
$205
Homeowners Ins.
$84
Utilities
$226

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$437,919

Local Housing Facts for Fresno

  • ·Median home value: $398,581 (adjusted for current market conditions)
  • ·Est. property taxes: $2,461/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,003/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,707/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 Fresno?

Based on the local median home value, estimated real estate property taxes in Fresno are around $2,461 per year.

What is the average home price in Fresno?

The median home value in Fresno is currently estimated at $398,581.

How much does homeowners insurance cost in Fresno?

For a median priced home, homeowners insurance in Fresno averages around $1,003 annually.

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

True homeownership costs go beyond principal and interest. In Fresno, a typical homeowner with a median-priced home of $398,581 can expect to pay roughly $2,461/yr in property taxes, $1,003/yr for homeowners insurance, and $2,707/yr in energy utilities. That adds approximately $514 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.