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Light Oak Mortgage Calculator

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

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Est. Total Monthly Cost
$1,793
P&I Payment$1,453
Taxes & Ins$189
Utilities$151
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Mortgage Details

$274,486
Local Median: $274,486
$54,897 (20%)
%

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

Local Area Costs

Monthly$1,793

Monthly Breakdown

Principal & Interest
$1,453
Property Taxes
$135
Homeowners Ins.
$53
Utilities
$151

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$303,482

Local Housing Facts for Light Oak

  • ·Median home value: $274,486 (adjusted for current market conditions)
  • ·Est. property taxes: $1,625/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $640/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,815/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 Light Oak?

Based on the local median home value, estimated real estate property taxes in Light Oak are around $1,625 per year.

What is the average home price in Light Oak?

The median home value in Light Oak is currently estimated at $274,486.

How much does homeowners insurance cost in Light Oak?

For a median priced home, homeowners insurance in Light Oak averages around $640 annually.

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

True homeownership costs go beyond principal and interest. In Light Oak, a typical homeowner with a median-priced home of $274,486 can expect to pay roughly $1,625/yr in property taxes, $640/yr for homeowners insurance, and $1,815/yr in energy utilities. That adds approximately $340 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.