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Ocean Springs Mortgage Calculator

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

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Est. Total Monthly Cost
$2,489
P&I Payment$1,777
Taxes & Ins$540
Utilities$172
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Mortgage Details

$336,797
Local Median: $336,797
$67,359 (20%)
%

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

Local Area Costs

Monthly$2,489

Monthly Breakdown

Principal & Interest
$1,777
Property Taxes
$179
Homeowners Ins.
$361
Utilities
$172

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$370,427

Local Housing Facts for Ocean Springs

  • ·Median home value: $336,797 (adjusted for current market conditions)
  • ·Est. property taxes: $2,144/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $4,333/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,067/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 Springs?

Based on the local median home value, estimated real estate property taxes in Ocean Springs are around $2,144 per year.

What is the average home price in Ocean Springs?

The median home value in Ocean Springs is currently estimated at $336,797.

How much does homeowners insurance cost in Ocean Springs?

For a median priced home, homeowners insurance in Ocean Springs averages around $4,333 annually.

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

True homeownership costs go beyond principal and interest. In Ocean Springs, a typical homeowner with a median-priced home of $336,797 can expect to pay roughly $2,144/yr in property taxes, $4,333/yr for homeowners insurance, and $2,067/yr in energy utilities. That adds approximately $712 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.