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Phillipstown Mortgage Calculator

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

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Est. Total Monthly Cost
$884
P&I Payment$474
Taxes & Ins$171
Utilities$238
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Mortgage Details

$90,756
Local Median: $90,756
$18,151 (20%)
%

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

Local Area Costs

Monthly$884

Monthly Breakdown

Principal & Interest
$474
Property Taxes
$105
Homeowners Ins.
$66
Utilities
$238

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$98,177

Local Housing Facts for Phillipstown

  • ·Median home value: $90,756 (adjusted for current market conditions)
  • ·Est. property taxes: $1,259/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $793/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,860/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 Phillipstown?

Based on the local median home value, estimated real estate property taxes in Phillipstown are around $1,259 per year.

What is the average home price in Phillipstown?

The median home value in Phillipstown is currently estimated at $90,756.

How much does homeowners insurance cost in Phillipstown?

For a median priced home, homeowners insurance in Phillipstown averages around $793 annually.

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

True homeownership costs go beyond principal and interest. In Phillipstown, a typical homeowner with a median-priced home of $90,756 can expect to pay roughly $1,259/yr in property taxes, $793/yr for homeowners insurance, and $2,860/yr in energy utilities. That adds approximately $409 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.