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North Topsail Beach Mortgage Calculator

Estimate your true cost of homeownership in North Topsail Beach with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$5,246
P&I Payment$3,524
Taxes & Ins$1,601
Utilities$121
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Mortgage Details

$673,474
Local Median: $673,474
$134,695 (20%)
%

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

Local Area Costs

Monthly$5,246

Monthly Breakdown

Principal & Interest
$3,524
Property Taxes
$345
Homeowners Ins.
$1,256
Utilities
$121

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$729,965

Local Housing Facts for North Topsail Beach

  • ·Median home value: $673,474 (adjusted for current market conditions)
  • ·Est. property taxes: $4,136/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $15,074/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,456/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 North Topsail Beach?

Based on the local median home value, estimated real estate property taxes in North Topsail Beach are around $4,136 per year.

What is the average home price in North Topsail Beach?

The median home value in North Topsail Beach is currently estimated at $673,474.

How much does homeowners insurance cost in North Topsail Beach?

For a median priced home, homeowners insurance in North Topsail Beach averages around $15,074 annually.

What is the true total cost of owning a home in North Topsail Beach?

True homeownership costs go beyond principal and interest. In North Topsail Beach, a typical homeowner with a median-priced home of $673,474 can expect to pay roughly $4,136/yr in property taxes, $15,074/yr for homeowners insurance, and $1,456/yr in energy utilities. That adds approximately $1,722 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.