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Phillips Mortgage Calculator

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

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Est. Total Monthly Cost
$1,319
P&I Payment$671
Taxes & Ins$444
Utilities$204
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Mortgage Details

$128,000
Local Median: $128,000
$25,600 (20%)
%

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

Local Area Costs

Monthly$1,319

Monthly Breakdown

Principal & Interest
$671
Property Taxes
$52
Homeowners Ins.
$391
Utilities
$204

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$139,204

Local Housing Facts for Phillips

  • ·Median home value: $128,000 (adjusted for current market conditions)
  • ·Est. property taxes: $629/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $4,696/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,450/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 Phillips?

Based on the local median home value, estimated real estate property taxes in Phillips are around $629 per year.

What is the average home price in Phillips?

The median home value in Phillips is currently estimated at $128,000.

How much does homeowners insurance cost in Phillips?

For a median priced home, homeowners insurance in Phillips averages around $4,696 annually.

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

True homeownership costs go beyond principal and interest. In Phillips, a typical homeowner with a median-priced home of $128,000 can expect to pay roughly $629/yr in property taxes, $4,696/yr for homeowners insurance, and $2,450/yr in energy utilities. That adds approximately $648 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.