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Lackawanna Mortgage Calculator

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

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Est. Total Monthly Cost

$1,331

P&I Payment$783

Taxes & Ins$370

Utilities$178

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Mortgage Details

Home Price$147,012

Local Median: $147,012

Down Payment$29,402 (20%)

Interest Rate

Loan Term

Credit Score

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

Local Area Costs

Property Taxes / yr$3,768

Homeowners Ins. / yr$675

Include Flood InsuranceOptional

Estimated based on Lackawanna FEMA risk profiles.

Include Est. Utilities$2,135/yr

Based on DOE LEAD data for Lackawanna.

Monthly$1,331

Monthly Breakdown

Principal & Interest

$783

Property Taxes

$314

Homeowners Ins.

$56

Utilities

$178

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$164,275

Local Housing Facts for Lackawanna

·Median home value: $147,012 (adjusted for current market conditions)
·Est. property taxes: $3,768/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $675/yr — based on local per-$1K premium rates
·Energy utilities: $2,135/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 Lackawanna?

Based on the local median home value, estimated real estate property taxes in Lackawanna are around $3,768 per year.

What is the average home price in Lackawanna?

The median home value in Lackawanna is currently estimated at $147,012.

How much does homeowners insurance cost in Lackawanna?

For a median priced home, homeowners insurance in Lackawanna averages around $675 annually.

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

True homeownership costs go beyond principal and interest. In Lackawanna, a typical homeowner with a median-priced home of $147,012 can expect to pay roughly $3,768/yr in property taxes, $675/yr for homeowners insurance, and $2,135/yr in energy utilities. That adds approximately $548 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.