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Hagerstown Mortgage Calculator

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

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Est. Total Monthly Cost
$1,788
P&I Payment$1,383
Taxes & Ins$284
Utilities$121
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Mortgage Details

$260,322
Local Median: $260,322
$52,064 (20%)
%

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

Local Area Costs

Monthly$1,788

Monthly Breakdown

Principal & Interest
$1,383
Property Taxes
$194
Homeowners Ins.
$90
Utilities
$121

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$289,632

Local Housing Facts for Hagerstown

  • ·Median home value: $260,322 (adjusted for current market conditions)
  • ·Est. property taxes: $2,325/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,084/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,455/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 Hagerstown?

Based on the local median home value, estimated real estate property taxes in Hagerstown are around $2,325 per year.

What is the average home price in Hagerstown?

The median home value in Hagerstown is currently estimated at $260,322.

How much does homeowners insurance cost in Hagerstown?

For a median priced home, homeowners insurance in Hagerstown averages around $1,084 annually.

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

True homeownership costs go beyond principal and interest. In Hagerstown, a typical homeowner with a median-priced home of $260,322 can expect to pay roughly $2,325/yr in property taxes, $1,084/yr for homeowners insurance, and $1,455/yr in energy utilities. That adds approximately $405 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.