Safe Rate Local

Montgomery County Mortgage Calculator

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

← Back to Montgomery County Hub
Est. Total Monthly Cost
$1,147
P&I Payment$779
Taxes & Ins$168
Utilities$200

Mortgage Details

$140,865
Local Median: $140,865
$28,173 (20%)
%

Local Area Costs

Ready to see real rates?

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

Monthly$1,147

Monthly Breakdown

Principal & Interest
$779
Property Taxes
$98
Homeowners Ins.
$70
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$167,730

Local Housing Facts for Montgomery County

  • ·Median home value: $140,865 (adjusted for current market conditions)
  • ·Est. property taxes: $1,177/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $837/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 Montgomery County?

Based on the local median home value, estimated real estate property taxes in Montgomery County are around $1,177 per year.

What is the average home price in Montgomery County?

The median home value in Montgomery County is currently estimated at $140,865.

How much does homeowners insurance cost in Montgomery County?

For a median priced home, homeowners insurance in Montgomery County averages around $837 annually.

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

True homeownership costs go beyond principal and interest. In Montgomery County, a typical homeowner with a median-priced home of $140,865 can expect to pay roughly $1,177/yr in property taxes, $837/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $368 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.