Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Hot Springs Mortgage Calculator

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

← Back to Hot Springs Hub
Est. Total Monthly Cost
$1,222
P&I Payment$941
Taxes & Ins$140
Utilities$142
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Hot Springs 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

$177,336
Local Median: $177,336
$35,467 (20%)
%

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

Local Area Costs

Monthly$1,222

Monthly Breakdown

Principal & Interest
$941
Property Taxes
$100
Homeowners Ins.
$40
Utilities
$142

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$196,891

Local Housing Facts for Hot Springs

  • ·Median home value: $177,336 (adjusted for current market conditions)
  • ·Est. property taxes: $1,198/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $478/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,701/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 Hot Springs?

Based on the local median home value, estimated real estate property taxes in Hot Springs are around $1,198 per year.

What is the average home price in Hot Springs?

The median home value in Hot Springs is currently estimated at $177,336.

How much does homeowners insurance cost in Hot Springs?

For a median priced home, homeowners insurance in Hot Springs averages around $478 annually.

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

True homeownership costs go beyond principal and interest. In Hot Springs, a typical homeowner with a median-priced home of $177,336 can expect to pay roughly $1,198/yr in property taxes, $478/yr for homeowners insurance, and $1,701/yr in energy utilities. That adds approximately $281 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.