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Lubbock County Mortgage Calculator

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

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Est. Total Monthly Cost
$1,937
P&I Payment$1,250
Taxes & Ins$487
Utilities$200

Mortgage Details

$231,667
Local Median: $231,667
$46,333 (20%)
%

Local Area Costs

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Monthly$1,937

Monthly Breakdown

Principal & Interest
$1,250
Property Taxes
$278
Homeowners Ins.
$209
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$264,668

Local Housing Facts for Lubbock County

  • ·Median home value: $231,667 (adjusted for current market conditions)
  • ·Est. property taxes: $3,331/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,512/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/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 Lubbock County?

Based on the local median home value, estimated real estate property taxes in Lubbock County are around $3,331 per year.

What is the average home price in Lubbock County?

The median home value in Lubbock County is currently estimated at $231,667.

How much does homeowners insurance cost in Lubbock County?

For a median priced home, homeowners insurance in Lubbock County averages around $2,512 annually.

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

True homeownership costs go beyond principal and interest. In Lubbock County, a typical homeowner with a median-priced home of $231,667 can expect to pay roughly $3,331/yr in property taxes, $2,512/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $687 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.