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Port Richey Mortgage Calculator

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

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Est. Total Monthly Cost
$3,202
P&I Payment$2,695
Taxes & Ins$361
Utilities$146
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Mortgage Details

$513,672
Local Median: $513,672
$102,734 (20%)
%

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

Local Area Costs

Monthly$3,202

Monthly Breakdown

Principal & Interest
$2,695
Property Taxes
$230
Homeowners Ins.
$131
Utilities
$146

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$559,227

Local Housing Facts for Port Richey

  • ·Median home value: $513,672 (adjusted for current market conditions)
  • ·Est. property taxes: $2,759/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,575/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,751/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 Richey?

Based on the local median home value, estimated real estate property taxes in Port Richey are around $2,759 per year.

What is the average home price in Port Richey?

The median home value in Port Richey is currently estimated at $513,672.

How much does homeowners insurance cost in Port Richey?

For a median priced home, homeowners insurance in Port Richey averages around $1,575 annually.

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

True homeownership costs go beyond principal and interest. In Port Richey, a typical homeowner with a median-priced home of $513,672 can expect to pay roughly $2,759/yr in property taxes, $1,575/yr for homeowners insurance, and $1,751/yr in energy utilities. That adds approximately $507 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.