Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Lone Star Mortgage Calculator

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

← Back to Lone Star Hub
Est. Total Monthly Cost
$1,278
P&I Payment$843
Taxes & Ins$245
Utilities$191
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Lone Star 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

$158,597
Local Median: $158,597
$31,719 (20%)
%

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

Local Area Costs

Monthly$1,278

Monthly Breakdown

Principal & Interest
$843
Property Taxes
$108
Homeowners Ins.
$137
Utilities
$191

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$176,423

Local Housing Facts for Lone Star

  • ·Median home value: $158,597 (adjusted for current market conditions)
  • ·Est. property taxes: $1,293/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,642/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,292/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 Lone Star?

Based on the local median home value, estimated real estate property taxes in Lone Star are around $1,293 per year.

What is the average home price in Lone Star?

The median home value in Lone Star is currently estimated at $158,597.

How much does homeowners insurance cost in Lone Star?

For a median priced home, homeowners insurance in Lone Star averages around $1,642 annually.

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

True homeownership costs go beyond principal and interest. In Lone Star, a typical homeowner with a median-priced home of $158,597 can expect to pay roughly $1,293/yr in property taxes, $1,642/yr for homeowners insurance, and $2,292/yr in energy utilities. That adds approximately $436 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.