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Palm Coast Mortgage Calculator

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

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Est. Total Monthly Cost

$2,529

P&I Payment$1,977

Taxes & Ins$409

Utilities$144

Also calculate:FHA Calculator VA Calculator

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Mortgage Details

Home Price$374,829

Local Median: $374,829

Down Payment$74,966 (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$2,719

Homeowners Ins. / yr$2,188

Include Flood InsuranceOptional

Estimated based on Palm Coast FEMA risk profiles.

Include Est. Utilities$1,725/yr

Based on DOE LEAD data for Palm Coast.

Monthly$2,529

Monthly Breakdown

Principal & Interest

$1,977

Property Taxes

$227

Homeowners Ins.

$182

Utilities

$144

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$411,678

Local Housing Facts for Palm Coast

·Median home value: $374,829 (adjusted for current market conditions)
·Est. property taxes: $2,719/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $2,188/yr — based on local per-$1K premium rates
·Energy utilities: $1,725/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 Palm Coast?

Based on the local median home value, estimated real estate property taxes in Palm Coast are around $2,719 per year.

What is the average home price in Palm Coast?

The median home value in Palm Coast is currently estimated at $374,829.

How much does homeowners insurance cost in Palm Coast?

For a median priced home, homeowners insurance in Palm Coast averages around $2,188 annually.

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

True homeownership costs go beyond principal and interest. In Palm Coast, a typical homeowner with a median-priced home of $374,829 can expect to pay roughly $2,719/yr in property taxes, $2,188/yr for homeowners insurance, and $1,725/yr in energy utilities. That adds approximately $553 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.