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Holmes County Mortgage Calculator

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

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Est. Total Monthly Cost
$753
P&I Payment$415
Taxes & Ins$124
Utilities$214
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Mortgage Details

$78,510
Local Median: $78,510
$15,702 (20%)
%

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

Local Area Costs

Monthly$753

Monthly Breakdown

Principal & Interest
$415
Property Taxes
$60
Homeowners Ins.
$64
Utilities
$214

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$86,576

Local Housing Facts for Holmes County

  • ·Median home value: $78,510 (adjusted for current market conditions)
  • ·Est. property taxes: $714/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $772/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,566/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 Holmes County?

Based on the local median home value, estimated real estate property taxes in Holmes County are around $714 per year.

What is the average home price in Holmes County?

The median home value in Holmes County is currently estimated at $78,510.

How much does homeowners insurance cost in Holmes County?

For a median priced home, homeowners insurance in Holmes County averages around $772 annually.

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

True homeownership costs go beyond principal and interest. In Holmes County, a typical homeowner with a median-priced home of $78,510 can expect to pay roughly $714/yr in property taxes, $772/yr for homeowners insurance, and $2,566/yr in energy utilities. That adds approximately $338 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.