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Modoc County Mortgage Calculator

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

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Est. Total Monthly Cost
$1,710
P&I Payment$1,294
Taxes & Ins$216
Utilities$200

Mortgage Details

$241,195
Local Median: $241,195
$48,239 (20%)
%

Local Area Costs

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Get a live quote priced specifically for Modoc County using Safe Rate's engine.

Monthly$1,710

Monthly Breakdown

Principal & Interest
$1,294
Property Taxes
$136
Homeowners Ins.
$80
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$272,976

Local Housing Facts for Modoc County

  • ·Median home value: $241,195 (adjusted for current market conditions)
  • ·Est. property taxes: $1,636/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $957/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/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 County?

Based on the local median home value, estimated real estate property taxes in Modoc County are around $1,636 per year.

What is the average home price in Modoc County?

The median home value in Modoc County is currently estimated at $241,195.

How much does homeowners insurance cost in Modoc County?

For a median priced home, homeowners insurance in Modoc County averages around $957 annually.

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

True homeownership costs go beyond principal and interest. In Modoc County, a typical homeowner with a median-priced home of $241,195 can expect to pay roughly $1,636/yr in property taxes, $957/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $416 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.