🏛️
FHA Calculator
Includes upfront + monthly MIP
🎖️
VA Calculator
VA funding fee · Zero monthly MIP

Safe Rate Local

Houma Mortgage Calculator

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

← Back to Houma Hub
Est. Total Monthly Cost
$1,565
P&I Payment$1,064
Taxes & Ins$301
Utilities$200

Mortgage Details

$200,584
Local Median: $200,584
$40,117 (20%)
%

Local Area Costs

Ready to see real rates?

Get a live quote priced specifically for Houma using Safe Rate's engine.

Monthly$1,565

Monthly Breakdown

Principal & Interest
$1,064
Property Taxes
$64
Homeowners Ins.
$237
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$222,587

Local Housing Facts for Houma

  • ·Median home value: $200,584 (adjusted for current market conditions)
  • ·Est. property taxes: $766/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,846/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/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 Houma?

Based on the local median home value, estimated real estate property taxes in Houma are around $766 per year.

What is the average home price in Houma?

The median home value in Houma is currently estimated at $200,584.

How much does homeowners insurance cost in Houma?

For a median priced home, homeowners insurance in Houma averages around $2,846 annually.

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

True homeownership costs go beyond principal and interest. In Houma, a typical homeowner with a median-priced home of $200,584 can expect to pay roughly $766/yr in property taxes, $2,846/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $501 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.