Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Knoxville Mortgage Calculator

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

← Back to Knoxville Hub
Est. Total Monthly Cost
$1,435
P&I Payment$894
Taxes & Ins$314
Utilities$227
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Knoxville 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

$160,299
Local Median: $160,299
$32,060 (20%)
%

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

Local Area Costs

Monthly$1,435

Monthly Breakdown

Principal & Interest
$894
Property Taxes
$208
Homeowners Ins.
$106
Utilities
$227

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$193,550

Local Housing Facts for Knoxville

  • ·Median home value: $160,299 (adjusted for current market conditions)
  • ·Est. property taxes: $2,491/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,274/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,726/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 Knoxville?

Based on the local median home value, estimated real estate property taxes in Knoxville are around $2,491 per year.

What is the average home price in Knoxville?

The median home value in Knoxville is currently estimated at $160,299.

How much does homeowners insurance cost in Knoxville?

For a median priced home, homeowners insurance in Knoxville averages around $1,274 annually.

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

True homeownership costs go beyond principal and interest. In Knoxville, a typical homeowner with a median-priced home of $160,299 can expect to pay roughly $2,491/yr in property taxes, $1,274/yr for homeowners insurance, and $2,726/yr in energy utilities. That adds approximately $541 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.