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Holly Ridge Mortgage Calculator

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

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Est. Total Monthly Cost
$3,150
P&I Payment$2,053
Taxes & Ins$963
Utilities$134
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Mortgage Details

$389,095
Local Median: $389,095
$77,819 (20%)
%

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

Local Area Costs

Monthly$3,150

Monthly Breakdown

Principal & Interest
$2,053
Property Taxes
$188
Homeowners Ins.
$775
Utilities
$134

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$427,872

Local Housing Facts for Holly Ridge

  • ·Median home value: $389,095 (adjusted for current market conditions)
  • ·Est. property taxes: $2,261/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $9,296/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,610/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 Holly Ridge?

Based on the local median home value, estimated real estate property taxes in Holly Ridge are around $2,261 per year.

What is the average home price in Holly Ridge?

The median home value in Holly Ridge is currently estimated at $389,095.

How much does homeowners insurance cost in Holly Ridge?

For a median priced home, homeowners insurance in Holly Ridge averages around $9,296 annually.

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

True homeownership costs go beyond principal and interest. In Holly Ridge, a typical homeowner with a median-priced home of $389,095 can expect to pay roughly $2,261/yr in property taxes, $9,296/yr for homeowners insurance, and $1,610/yr in energy utilities. That adds approximately $1,097 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.