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Phelps Mortgage Calculator

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

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Est. Total Monthly Cost
$2,807
P&I Payment$2,370
Taxes & Ins$226
Utilities$211
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Mortgage Details

$446,736
Local Median: $446,736
$89,347 (20%)
%

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

Local Area Costs

Monthly$2,807

Monthly Breakdown

Principal & Interest
$2,370
Property Taxes
$183
Homeowners Ins.
$44
Utilities
$211

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$495,653

Local Housing Facts for Phelps

  • ·Median home value: $446,736 (adjusted for current market conditions)
  • ·Est. property taxes: $2,190/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $524/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,530/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?

Based on the local median home value, estimated real estate property taxes in Phelps are around $2,190 per year.

What is the average home price in Phelps?

The median home value in Phelps is currently estimated at $446,736.

How much does homeowners insurance cost in Phelps?

For a median priced home, homeowners insurance in Phelps averages around $524 annually.

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

True homeownership costs go beyond principal and interest. In Phelps, a typical homeowner with a median-priced home of $446,736 can expect to pay roughly $2,190/yr in property taxes, $524/yr for homeowners insurance, and $2,530/yr in energy utilities. That adds approximately $437 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.