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Port Orchard Mortgage Calculator

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

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Est. Total Monthly Cost
$3,428
P&I Payment$2,889
Taxes & Ins$402
Utilities$137
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Mortgage Details

$551,696
Local Median: $551,696
$110,339 (20%)
%

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

Local Area Costs

Monthly$3,428

Monthly Breakdown

Principal & Interest
$2,889
Property Taxes
$324
Homeowners Ins.
$78
Utilities
$137

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$598,714

Local Housing Facts for Port Orchard

  • ·Median home value: $551,696 (adjusted for current market conditions)
  • ·Est. property taxes: $3,892/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $930/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,647/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 Port Orchard?

Based on the local median home value, estimated real estate property taxes in Port Orchard are around $3,892 per year.

What is the average home price in Port Orchard?

The median home value in Port Orchard is currently estimated at $551,696.

How much does homeowners insurance cost in Port Orchard?

For a median priced home, homeowners insurance in Port Orchard averages around $930 annually.

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

True homeownership costs go beyond principal and interest. In Port Orchard, a typical homeowner with a median-priced home of $551,696 can expect to pay roughly $3,892/yr in property taxes, $930/yr for homeowners insurance, and $1,647/yr in energy utilities. That adds approximately $539 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.