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Houlton Mortgage Calculator

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

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Est. Total Monthly Cost
$1,131
P&I Payment$850
Taxes & Ins$184
Utilities$97
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Mortgage Details

$156,308
Local Median: $156,308
$31,262 (20%)
%

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

Local Area Costs

Monthly$1,131

Monthly Breakdown

Principal & Interest
$850
Property Taxes
$145
Homeowners Ins.
$39
Utilities
$97

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$180,948

Local Housing Facts for Houlton

  • ·Median home value: $156,308 (adjusted for current market conditions)
  • ·Est. property taxes: $1,740/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $465/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,164/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 Houlton?

Based on the local median home value, estimated real estate property taxes in Houlton are around $1,740 per year.

What is the average home price in Houlton?

The median home value in Houlton is currently estimated at $156,308.

How much does homeowners insurance cost in Houlton?

For a median priced home, homeowners insurance in Houlton averages around $465 annually.

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

True homeownership costs go beyond principal and interest. In Houlton, a typical homeowner with a median-priced home of $156,308 can expect to pay roughly $1,740/yr in property taxes, $465/yr for homeowners insurance, and $1,164/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.