Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Jay Mortgage Calculator

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

← Back to Jay Hub
Est. Total Monthly Cost
$1,297
P&I Payment$972
Taxes & Ins$140
Utilities$185
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Jay 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

$183,554
Local Median: $183,554
$36,711 (20%)
%

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

Local Area Costs

Monthly$1,297

Monthly Breakdown

Principal & Interest
$972
Property Taxes
$58
Homeowners Ins.
$82
Utilities
$185

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$203,121

Local Housing Facts for Jay

  • ·Median home value: $183,554 (adjusted for current market conditions)
  • ·Est. property taxes: $696/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $988/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,218/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 Jay?

Based on the local median home value, estimated real estate property taxes in Jay are around $696 per year.

What is the average home price in Jay?

The median home value in Jay is currently estimated at $183,554.

How much does homeowners insurance cost in Jay?

For a median priced home, homeowners insurance in Jay averages around $988 annually.

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

True homeownership costs go beyond principal and interest. In Jay, a typical homeowner with a median-priced home of $183,554 can expect to pay roughly $696/yr in property taxes, $988/yr for homeowners insurance, and $2,218/yr in energy utilities. That adds approximately $325 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.