Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Modest Mortgage Calculator

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

← Back to Modest Hub
Est. Total Monthly Cost
$1,565
P&I Payment$1,051
Taxes & Ins$312
Utilities$201
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Modest 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

$199,515
Local Median: $199,515
$39,903 (20%)
%

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

Local Area Costs

Monthly$1,565

Monthly Breakdown

Principal & Interest
$1,051
Property Taxes
$60
Homeowners Ins.
$253
Utilities
$201

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$218,822

Local Housing Facts for Modest

  • ·Median home value: $199,515 (adjusted for current market conditions)
  • ·Est. property taxes: $716/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $3,030/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,414/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 Modest Town?

Based on the local median home value, estimated real estate property taxes in Modest Town are around $716 per year.

What is the average home price in Modest Town?

The median home value in Modest Town is currently estimated at $199,515.

How much does homeowners insurance cost in Modest Town?

For a median priced home, homeowners insurance in Modest Town averages around $3,030 annually.

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

True homeownership costs go beyond principal and interest. In Modest Town, a typical homeowner with a median-priced home of $199,515 can expect to pay roughly $716/yr in property taxes, $3,030/yr for homeowners insurance, and $2,414/yr in energy utilities. That adds approximately $513 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.