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Phil Campbell Mortgage Calculator

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

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Est. Total Monthly Cost
$1,168
P&I Payment$839
Taxes & Ins$110
Utilities$219
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Mortgage Details

$158,189
Local Median: $158,189
$31,638 (20%)
%

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

Local Area Costs

Monthly$1,168

Monthly Breakdown

Principal & Interest
$839
Property Taxes
$36
Homeowners Ins.
$74
Utilities
$219

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$175,511

Local Housing Facts for Phil Campbell

  • ·Median home value: $158,189 (adjusted for current market conditions)
  • ·Est. property taxes: $434/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $885/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,628/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 Phil Campbell?

Based on the local median home value, estimated real estate property taxes in Phil Campbell are around $434 per year.

What is the average home price in Phil Campbell?

The median home value in Phil Campbell is currently estimated at $158,189.

How much does homeowners insurance cost in Phil Campbell?

For a median priced home, homeowners insurance in Phil Campbell averages around $885 annually.

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

True homeownership costs go beyond principal and interest. In Phil Campbell, a typical homeowner with a median-priced home of $158,189 can expect to pay roughly $434/yr in property taxes, $885/yr for homeowners insurance, and $2,628/yr in energy utilities. That adds approximately $329 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.