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Gray Mortgage Calculator

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

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Est. Total Monthly Cost
$1,342
P&I Payment$880
Taxes & Ins$293
Utilities$169
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Mortgage Details

$166,091
Local Median: $166,091
$33,218 (20%)
%

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

Local Area Costs

Monthly$1,342

Monthly Breakdown

Principal & Interest
$880
Property Taxes
$86
Homeowners Ins.
$207
Utilities
$169

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$183,861

Local Housing Facts for Gray

  • ·Median home value: $166,091 (adjusted for current market conditions)
  • ·Est. property taxes: $1,030/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,483/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,031/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 Gray?

Based on the local median home value, estimated real estate property taxes in Gray are around $1,030 per year.

What is the average home price in Gray?

The median home value in Gray is currently estimated at $166,091.

How much does homeowners insurance cost in Gray?

For a median priced home, homeowners insurance in Gray averages around $2,483 annually.

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

True homeownership costs go beyond principal and interest. In Gray, a typical homeowner with a median-priced home of $166,091 can expect to pay roughly $1,030/yr in property taxes, $2,483/yr for homeowners insurance, and $2,031/yr in energy utilities. That adds approximately $462 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.