Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

New England Mortgage Calculator

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

← Back to New England Hub
Est. Total Monthly Cost
$1,366
P&I Payment$1,003
Taxes & Ins$176
Utilities$187
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this New England 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

$188,897
Local Median: $188,897
$37,779 (20%)
%

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

Local Area Costs

Monthly$1,366

Monthly Breakdown

Principal & Interest
$1,003
Property Taxes
$106
Homeowners Ins.
$70
Utilities
$187

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$210,056

Local Housing Facts for New England

  • ·Median home value: $188,897 (adjusted for current market conditions)
  • ·Est. property taxes: $1,266/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $843/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,241/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 New England?

Based on the local median home value, estimated real estate property taxes in New England are around $1,266 per year.

What is the average home price in New England?

The median home value in New England is currently estimated at $188,897.

How much does homeowners insurance cost in New England?

For a median priced home, homeowners insurance in New England averages around $843 annually.

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

True homeownership costs go beyond principal and interest. In New England, a typical homeowner with a median-priced home of $188,897 can expect to pay roughly $1,266/yr in property taxes, $843/yr for homeowners insurance, and $2,241/yr in energy utilities. That adds approximately $363 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.