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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
$4,152
P&I Payment$3,206
Taxes & Ins$689
Utilities$257
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Mortgage Details

$612,338
Local Median: $612,338
$122,468 (20%)
%

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

Local Area Costs

Monthly$4,152

Monthly Breakdown

Principal & Interest
$3,206
Property Taxes
$530
Homeowners Ins.
$159
Utilities
$257

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$664,407

Local Housing Facts for Houlton

  • ·Median home value: $612,338 (adjusted for current market conditions)
  • ·Est. property taxes: $6,357/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,905/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,086/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 $6,357 per year.

What is the average home price in Houlton?

The median home value in Houlton is currently estimated at $612,338.

How much does homeowners insurance cost in Houlton?

For a median priced home, homeowners insurance in Houlton averages around $1,905 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 $612,338 can expect to pay roughly $6,357/yr in property taxes, $1,905/yr for homeowners insurance, and $3,086/yr in energy utilities. That adds approximately $946 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.