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Phelps County Mortgage Calculator

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

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Est. Total Monthly Cost
$1,557
P&I Payment$1,191
Taxes & Ins$177
Utilities$188
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Mortgage Details

$223,423
Local Median: $223,423
$44,685 (20%)
%

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

Local Area Costs

Monthly$1,557

Monthly Breakdown

Principal & Interest
$1,191
Property Taxes
$107
Homeowners Ins.
$71
Utilities
$188

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$249,918

Local Housing Facts for Phelps County

  • ·Median home value: $223,423 (adjusted for current market conditions)
  • ·Est. property taxes: $1,282/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $847/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,261/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 Phelps County?

Based on the local median home value, estimated real estate property taxes in Phelps County are around $1,282 per year.

What is the average home price in Phelps County?

The median home value in Phelps County is currently estimated at $223,423.

How much does homeowners insurance cost in Phelps County?

For a median priced home, homeowners insurance in Phelps County averages around $847 annually.

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

True homeownership costs go beyond principal and interest. In Phelps County, a typical homeowner with a median-priced home of $223,423 can expect to pay roughly $1,282/yr in property taxes, $847/yr for homeowners insurance, and $2,261/yr in energy utilities. That adds approximately $366 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.