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Odessa Mortgage Calculator

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

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Est. Total Monthly Cost
$3,107
P&I Payment$2,572
Taxes & Ins$326
Utilities$210
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Mortgage Details

$490,878
Local Median: $490,878
$98,176 (20%)
%

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

Local Area Costs

Monthly$3,107

Monthly Breakdown

Principal & Interest
$2,572
Property Taxes
$268
Homeowners Ins.
$57
Utilities
$210

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$533,090

Local Housing Facts for Odessa

  • ·Median home value: $490,878 (adjusted for current market conditions)
  • ·Est. property taxes: $3,221/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $687/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,521/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 Odessa?

Based on the local median home value, estimated real estate property taxes in Odessa are around $3,221 per year.

What is the average home price in Odessa?

The median home value in Odessa is currently estimated at $490,878.

How much does homeowners insurance cost in Odessa?

For a median priced home, homeowners insurance in Odessa averages around $687 annually.

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

True homeownership costs go beyond principal and interest. In Odessa, a typical homeowner with a median-priced home of $490,878 can expect to pay roughly $3,221/yr in property taxes, $687/yr for homeowners insurance, and $2,521/yr in energy utilities. That adds approximately $536 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.