🏛️
FHA Calculator
Includes upfront + monthly MIP
🎖️
VA Calculator
VA funding fee · Zero monthly MIP

Safe Rate Local

Odessa Mortgage Calculator

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

← Back to Odessa Hub
Est. Total Monthly Cost
$1,712
P&I Payment$1,133
Taxes & Ins$379
Utilities$200

Mortgage Details

$224,076
Local Median: $224,076
$44,815 (20%)
%

Local Area Costs

Ready to see real rates?

Get a live quote priced specifically for Odessa using Safe Rate's engine.

Monthly$1,712

Monthly Breakdown

Principal & Interest
$1,133
Property Taxes
$232
Homeowners Ins.
$147
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$228,637

Local Housing Facts for Odessa

  • ·Median home value: $224,076 (adjusted for current market conditions)
  • ·Est. property taxes: $2,783/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,763/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/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 $2,783 per year.

What is the average home price in Odessa?

The median home value in Odessa is currently estimated at $224,076.

How much does homeowners insurance cost in Odessa?

For a median priced home, homeowners insurance in Odessa averages around $1,763 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 $224,076 can expect to pay roughly $2,783/yr in property taxes, $1,763/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $579 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.