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New Port Richey Mortgage Calculator

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

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Est. Total Monthly Cost

$1,605

P&I Payment$1,265

Taxes & Ins$199

Utilities$141

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Mortgage Details

Home Price$235,997

Local Median: $235,997

Down Payment$47,199 (20%)

Interest Rate

Loan Term

Credit Score

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

Local Area Costs

Property Taxes / yr$1,329

Homeowners Ins. / yr$1,061

Include Flood InsuranceOptional

Estimated based on New Port Richey FEMA risk profiles.

Include Est. Utilities$1,686/yr

Based on DOE LEAD data for New Port Richey.

Monthly$1,605

Monthly Breakdown

Principal & Interest

$1,265

Property Taxes

$111

Homeowners Ins.

$88

Utilities

$141

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$266,543

Local Housing Facts for New Port Richey

·Median home value: $235,997 (adjusted for current market conditions)
·Est. property taxes: $1,329/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $1,061/yr — based on local per-$1K premium rates
·Energy utilities: $1,686/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 Port Richey?

Based on the local median home value, estimated real estate property taxes in New Port Richey are around $1,329 per year.

What is the average home price in New Port Richey?

The median home value in New Port Richey is currently estimated at $235,997.

How much does homeowners insurance cost in New Port Richey?

For a median priced home, homeowners insurance in New Port Richey averages around $1,061 annually.

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

True homeownership costs go beyond principal and interest. In New Port Richey, a typical homeowner with a median-priced home of $235,997 can expect to pay roughly $1,329/yr in property taxes, $1,061/yr for homeowners insurance, and $1,686/yr in energy utilities. That adds approximately $340 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.