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Ocean Pines Mortgage Calculator

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

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Est. Total Monthly Cost
$3,166
P&I Payment$2,474
Taxes & Ins$493
Utilities$199
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Mortgage Details

$470,090
Local Median: $470,090
$94,018 (20%)
%

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

Local Area Costs

Monthly$3,166

Monthly Breakdown

Principal & Interest
$2,474
Property Taxes
$216
Homeowners Ins.
$277
Utilities
$199

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$514,493

Local Housing Facts for Ocean Pines

  • ·Median home value: $470,090 (adjusted for current market conditions)
  • ·Est. property taxes: $2,590/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $3,328/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,389/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 Ocean Pines?

Based on the local median home value, estimated real estate property taxes in Ocean Pines are around $2,590 per year.

What is the average home price in Ocean Pines?

The median home value in Ocean Pines is currently estimated at $470,090.

How much does homeowners insurance cost in Ocean Pines?

For a median priced home, homeowners insurance in Ocean Pines averages around $3,328 annually.

What is the true total cost of owning a home in Ocean Pines?

True homeownership costs go beyond principal and interest. In Ocean Pines, a typical homeowner with a median-priced home of $470,090 can expect to pay roughly $2,590/yr in property taxes, $3,328/yr for homeowners insurance, and $2,389/yr in energy utilities. That adds approximately $692 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.