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Harlingen Mortgage Calculator

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

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Est. Total Monthly Cost
$1,327
P&I Payment$887
Taxes & Ins$369
Utilities$71
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Mortgage Details

$166,907
Local Median: $166,907
$33,381 (20%)
%

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

Local Area Costs

Monthly$1,327

Monthly Breakdown

Principal & Interest
$887
Property Taxes
$169
Homeowners Ins.
$200
Utilities
$71

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$185,925

Local Housing Facts for Harlingen

  • ·Median home value: $166,907 (adjusted for current market conditions)
  • ·Est. property taxes: $2,033/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,394/yr — based on local per-$1K premium rates
  • ·Energy utilities: $847/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 Harlingen?

Based on the local median home value, estimated real estate property taxes in Harlingen are around $2,033 per year.

What is the average home price in Harlingen?

The median home value in Harlingen is currently estimated at $166,907.

How much does homeowners insurance cost in Harlingen?

For a median priced home, homeowners insurance in Harlingen averages around $2,394 annually.

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

True homeownership costs go beyond principal and interest. In Harlingen, a typical homeowner with a median-priced home of $166,907 can expect to pay roughly $2,033/yr in property taxes, $2,394/yr for homeowners insurance, and $847/yr in energy utilities. That adds approximately $440 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.