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Phelps County R-III Mortgage Calculator

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

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Est. Total Monthly Cost
$1,418
P&I Payment$1,018
Taxes & Ins$185
Utilities$215
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Mortgage Details

$191,765
Local Median: $191,765
$38,353 (20%)
%

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

Local Area Costs

Monthly$1,418

Monthly Breakdown

Principal & Interest
$1,018
Property Taxes
$92
Homeowners Ins.
$94
Utilities
$215

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$213,022

Local Housing Facts for Phelps County R-III

  • ·Median home value: $191,765 (adjusted for current market conditions)
  • ·Est. property taxes: $1,099/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,125/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,576/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 R-III?

Based on the local median home value, estimated real estate property taxes in Phelps County R-III are around $1,099 per year.

What is the average home price in Phelps County R-III?

The median home value in Phelps County R-III is currently estimated at $191,765.

How much does homeowners insurance cost in Phelps County R-III?

For a median priced home, homeowners insurance in Phelps County R-III averages around $1,125 annually.

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

True homeownership costs go beyond principal and interest. In Phelps County R-III, a typical homeowner with a median-priced home of $191,765 can expect to pay roughly $1,099/yr in property taxes, $1,125/yr for homeowners insurance, and $2,576/yr in energy utilities. That adds approximately $400 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.