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Modoc Mortgage Calculator

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

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Est. Total Monthly Cost
$987
P&I Payment$685
Taxes & Ins$89
Utilities$213
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Mortgage Details

$129,893
Local Median: $129,893
$25,979 (20%)
%

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

Local Area Costs

Monthly$987

Monthly Breakdown

Principal & Interest
$685
Property Taxes
$51
Homeowners Ins.
$38
Utilities
$213

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$142,813

Local Housing Facts for Modoc

  • ·Median home value: $129,893 (adjusted for current market conditions)
  • ·Est. property taxes: $614/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $452/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,556/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 Modoc?

Based on the local median home value, estimated real estate property taxes in Modoc are around $614 per year.

What is the average home price in Modoc?

The median home value in Modoc is currently estimated at $129,893.

How much does homeowners insurance cost in Modoc?

For a median priced home, homeowners insurance in Modoc averages around $452 annually.

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

True homeownership costs go beyond principal and interest. In Modoc, a typical homeowner with a median-priced home of $129,893 can expect to pay roughly $614/yr in property taxes, $452/yr for homeowners insurance, and $2,556/yr in energy utilities. That adds approximately $302 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.