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Luzerne Mortgage Calculator

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

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Est. Total Monthly Cost
$1,474
P&I Payment$923
Taxes & Ins$234
Utilities$317
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Mortgage Details

$173,876
Local Median: $173,876
$34,775 (20%)
%

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

Local Area Costs

Monthly$1,474

Monthly Breakdown

Principal & Interest
$923
Property Taxes
$166
Homeowners Ins.
$68
Utilities
$317

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$193,318

Local Housing Facts for Luzerne

  • ·Median home value: $173,876 (adjusted for current market conditions)
  • ·Est. property taxes: $1,994/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $812/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,804/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 Luzerne?

Based on the local median home value, estimated real estate property taxes in Luzerne are around $1,994 per year.

What is the average home price in Luzerne?

The median home value in Luzerne is currently estimated at $173,876.

How much does homeowners insurance cost in Luzerne?

For a median priced home, homeowners insurance in Luzerne averages around $812 annually.

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

True homeownership costs go beyond principal and interest. In Luzerne, a typical homeowner with a median-priced home of $173,876 can expect to pay roughly $1,994/yr in property taxes, $812/yr for homeowners insurance, and $3,804/yr in energy utilities. That adds approximately $551 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.