Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Jo Daviess County Mortgage Calculator

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

← Back to Jo Daviess County Hub
Est. Total Monthly Cost
$2,005
P&I Payment$1,304
Taxes & Ins$407
Utilities$294
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Jo Daviess County 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

$243,789
Local Median: $243,789
$48,758 (20%)
%

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

Local Area Costs

Monthly$2,005

Monthly Breakdown

Principal & Interest
$1,304
Property Taxes
$305
Homeowners Ins.
$102
Utilities
$294

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$274,446

Local Housing Facts for Jo Daviess County

  • ·Median home value: $243,789 (adjusted for current market conditions)
  • ·Est. property taxes: $3,654/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,229/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,523/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 Jo Daviess County?

Based on the local median home value, estimated real estate property taxes in Jo Daviess County are around $3,654 per year.

What is the average home price in Jo Daviess County?

The median home value in Jo Daviess County is currently estimated at $243,789.

How much does homeowners insurance cost in Jo Daviess County?

For a median priced home, homeowners insurance in Jo Daviess County averages around $1,229 annually.

What is the true total cost of owning a home in Jo Daviess County?

True homeownership costs go beyond principal and interest. In Jo Daviess County, a typical homeowner with a median-priced home of $243,789 can expect to pay roughly $3,654/yr in property taxes, $1,229/yr for homeowners insurance, and $3,523/yr in energy utilities. That adds approximately $701 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.