Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Hays Mortgage Calculator

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

← Back to Hays Hub
Est. Total Monthly Cost
$5,397
P&I Payment$4,154
Taxes & Ins$1,052
Utilities$191
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Hays scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$784,728
Local Median: $784,728
$156,946 (20%)
%

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

Local Area Costs

Monthly$5,397

Monthly Breakdown

Principal & Interest
$4,154
Property Taxes
$833
Homeowners Ins.
$218
Utilities
$191

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$867,625

Local Housing Facts for Hays

  • ·Median home value: $784,728 (adjusted for current market conditions)
  • ·Est. property taxes: $10,001/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,620/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,297/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 Hays?

Based on the local median home value, estimated real estate property taxes in Hays are around $10,001 per year.

What is the average home price in Hays?

The median home value in Hays is currently estimated at $784,728.

How much does homeowners insurance cost in Hays?

For a median priced home, homeowners insurance in Hays averages around $2,620 annually.

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

True homeownership costs go beyond principal and interest. In Hays, a typical homeowner with a median-priced home of $784,728 can expect to pay roughly $10,001/yr in property taxes, $2,620/yr for homeowners insurance, and $2,297/yr in energy utilities. That adds approximately $1,243 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.