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Raton Mortgage Calculator

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

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Est. Total Monthly Cost
$1,208
P&I Payment$845
Taxes & Ins$159
Utilities$204
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Mortgage Details

$157,909
Local Median: $157,909
$31,582 (20%)
%

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

Local Area Costs

Monthly$1,208

Monthly Breakdown

Principal & Interest
$845
Property Taxes
$62
Homeowners Ins.
$97
Utilities
$204

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$177,736

Local Housing Facts for Raton

  • ·Median home value: $157,909 (adjusted for current market conditions)
  • ·Est. property taxes: $749/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,164/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,452/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 Raton?

Based on the local median home value, estimated real estate property taxes in Raton are around $749 per year.

What is the average home price in Raton?

The median home value in Raton is currently estimated at $157,909.

How much does homeowners insurance cost in Raton?

For a median priced home, homeowners insurance in Raton averages around $1,164 annually.

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

True homeownership costs go beyond principal and interest. In Raton, a typical homeowner with a median-priced home of $157,909 can expect to pay roughly $749/yr in property taxes, $1,164/yr for homeowners insurance, and $2,452/yr in energy utilities. That adds approximately $364 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.