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Modesto Mortgage Calculator

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

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Est. Total Monthly Cost
$2,999
P&I Payment$2,443
Taxes & Ins$351
Utilities$205
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Mortgage Details

$483,148
Local Median: $483,148
$96,630 (20%)
%

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

Local Area Costs

Monthly$2,999

Monthly Breakdown

Principal & Interest
$2,443
Property Taxes
$270
Homeowners Ins.
$82
Utilities
$205

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$492,983

Local Housing Facts for Modesto

  • ·Median home value: $483,148 (adjusted for current market conditions)
  • ·Est. property taxes: $3,235/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $981/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,460/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 Modesto?

Based on the local median home value, estimated real estate property taxes in Modesto are around $3,235 per year.

What is the average home price in Modesto?

The median home value in Modesto is currently estimated at $483,148.

How much does homeowners insurance cost in Modesto?

For a median priced home, homeowners insurance in Modesto averages around $981 annually.

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

True homeownership costs go beyond principal and interest. In Modesto, a typical homeowner with a median-priced home of $483,148 can expect to pay roughly $3,235/yr in property taxes, $981/yr for homeowners insurance, and $2,460/yr in energy utilities. That adds approximately $556 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.