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Lucia Mar Mortgage Calculator

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

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Est. Total Monthly Cost

$5,780

P&I Payment$5,098

Taxes & Ins$533

Utilities$149

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Mortgage Details

Home Price$977,512

Local Median: $977,512

Down Payment$195,502 (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$5,445

Homeowners Ins. / yr$956

Include Flood InsuranceOptional

Estimated based on Lucia Mar FEMA risk profiles.

Include Est. Utilities$1,783/yr

Based on DOE LEAD data for Lucia Mar.

Monthly$5,780

Monthly Breakdown

Principal & Interest

$5,098

Property Taxes

$454

Homeowners Ins.

$80

Utilities

$149

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$1,053,125

Local Housing Facts for Lucia Mar

·Median home value: $977,512 (adjusted for current market conditions)
·Est. property taxes: $5,445/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $956/yr — based on local per-$1K premium rates
·Energy utilities: $1,783/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 Lucia Mar?

Based on the local median home value, estimated real estate property taxes in Lucia Mar are around $5,445 per year.

What is the average home price in Lucia Mar?

The median home value in Lucia Mar is currently estimated at $977,512.

How much does homeowners insurance cost in Lucia Mar?

For a median priced home, homeowners insurance in Lucia Mar averages around $956 annually.

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

True homeownership costs go beyond principal and interest. In Lucia Mar, a typical homeowner with a median-priced home of $977,512 can expect to pay roughly $5,445/yr in property taxes, $956/yr for homeowners insurance, and $1,783/yr in energy utilities. That adds approximately $682 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.