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Montgomery County Mortgage Calculator

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

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Est. Total Monthly Cost
$1,661
P&I Payment$1,153
Taxes & Ins$334
Utilities$174
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Mortgage Details

$218,032
Local Median: $218,032
$43,606 (20%)
%

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

Local Area Costs

Monthly$1,661

Monthly Breakdown

Principal & Interest
$1,153
Property Taxes
$283
Homeowners Ins.
$52
Utilities
$174

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$240,518

Local Housing Facts for Montgomery County

  • ·Median home value: $218,032 (adjusted for current market conditions)
  • ·Est. property taxes: $3,391/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $622/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,084/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 $3,391 per year.

What is the average home price in Montgomery County?

The median home value in Montgomery County is currently estimated at $218,032.

How much does homeowners insurance cost in Montgomery County?

For a median priced home, homeowners insurance in Montgomery County averages around $622 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 $218,032 can expect to pay roughly $3,391/yr in property taxes, $622/yr for homeowners insurance, and $2,084/yr in energy utilities. That adds approximately $508 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.