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Luzerne County Mortgage Calculator

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

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Est. Total Monthly Cost
$1,626
P&I Payment$1,127
Taxes & Ins$279
Utilities$220
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Mortgage Details

$213,332
Local Median: $213,332
$42,666 (20%)
%

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

Local Area Costs

Monthly$1,626

Monthly Breakdown

Principal & Interest
$1,127
Property Taxes
$211
Homeowners Ins.
$68
Utilities
$220

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$235,086

Local Housing Facts for Luzerne County

  • ·Median home value: $213,332 (adjusted for current market conditions)
  • ·Est. property taxes: $2,529/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $816/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,640/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 County?

Based on the local median home value, estimated real estate property taxes in Luzerne County are around $2,529 per year.

What is the average home price in Luzerne County?

The median home value in Luzerne County is currently estimated at $213,332.

How much does homeowners insurance cost in Luzerne County?

For a median priced home, homeowners insurance in Luzerne County averages around $816 annually.

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

True homeownership costs go beyond principal and interest. In Luzerne County, a typical homeowner with a median-priced home of $213,332 can expect to pay roughly $2,529/yr in property taxes, $816/yr for homeowners insurance, and $2,640/yr in energy utilities. That adds approximately $499 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.