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Houston R-I Mortgage Calculator

Estimate your true cost of homeownership in Houston R-I with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,373
P&I Payment$991
Taxes & Ins$148
Utilities$234
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Mortgage Details

$186,433
Local Median: $186,433
$37,287 (20%)
%

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

Local Area Costs

Monthly$1,373

Monthly Breakdown

Principal & Interest
$991
Property Taxes
$59
Homeowners Ins.
$89
Utilities
$234

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$207,748

Local Housing Facts for Houston R-I

  • ·Median home value: $186,433 (adjusted for current market conditions)
  • ·Est. property taxes: $706/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,072/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,803/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 Houston R-I?

Based on the local median home value, estimated real estate property taxes in Houston R-I are around $706 per year.

What is the average home price in Houston R-I?

The median home value in Houston R-I is currently estimated at $186,433.

How much does homeowners insurance cost in Houston R-I?

For a median priced home, homeowners insurance in Houston R-I averages around $1,072 annually.

What is the true total cost of owning a home in Houston R-I?

True homeownership costs go beyond principal and interest. In Houston R-I, a typical homeowner with a median-priced home of $186,433 can expect to pay roughly $706/yr in property taxes, $1,072/yr for homeowners insurance, and $2,803/yr in energy utilities. That adds approximately $382 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.