Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Modesto Mortgage Calculator

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

← Back to Modesto Hub
Est. Total Monthly Cost
$1,390
P&I Payment$862
Taxes & Ins$236
Utilities$292
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Modesto 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

$162,012
Local Median: $162,012
$32,402 (20%)
%

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

Local Area Costs

Monthly$1,390

Monthly Breakdown

Principal & Interest
$862
Property Taxes
$155
Homeowners Ins.
$80
Utilities
$292

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$180,629

Local Housing Facts for Modesto

  • ·Median home value: $162,012 (adjusted for current market conditions)
  • ·Est. property taxes: $1,865/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $963/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,509/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 $1,865 per year.

What is the average home price in Modesto?

The median home value in Modesto is currently estimated at $162,012.

How much does homeowners insurance cost in Modesto?

For a median priced home, homeowners insurance in Modesto averages around $963 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 $162,012 can expect to pay roughly $1,865/yr in property taxes, $963/yr for homeowners insurance, and $3,509/yr in energy utilities. That adds approximately $528 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.