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Oak Ridge Mortgage Calculator

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

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Est. Total Monthly Cost

$1,974

P&I Payment$1,529

Taxes & Ins$362

Utilities$83

Also calculate:FHA Calculator VA Calculator

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Mortgage Details

Home Price$288,990

Local Median: $288,990

Down Payment$57,798 (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$2,721

Homeowners Ins. / yr$1,621

Include Flood InsuranceOptional

Estimated based on Oak Ridge FEMA risk profiles.

Include Est. Utilities$1,000/yr

Based on DOE LEAD data for Oak Ridge.

Monthly$1,974

Monthly Breakdown

Principal & Interest

$1,529

Property Taxes

$227

Homeowners Ins.

$135

Utilities

$83

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$319,072

Local Housing Facts for Oak Ridge

·Median home value: $288,990 (adjusted for current market conditions)
·Est. property taxes: $2,721/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $1,621/yr — based on local per-$1K premium rates
·Energy utilities: $1,000/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 Oak Ridge?

Based on the local median home value, estimated real estate property taxes in Oak Ridge are around $2,721 per year.

What is the average home price in Oak Ridge?

The median home value in Oak Ridge is currently estimated at $288,990.

How much does homeowners insurance cost in Oak Ridge?

For a median priced home, homeowners insurance in Oak Ridge averages around $1,621 annually.

What is the true total cost of owning a home in Oak Ridge?

True homeownership costs go beyond principal and interest. In Oak Ridge, a typical homeowner with a median-priced home of $288,990 can expect to pay roughly $2,721/yr in property taxes, $1,621/yr for homeowners insurance, and $1,000/yr in energy utilities. That adds approximately $445 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.