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Saugerties Mortgage Calculator

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

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Est. Total Monthly Cost
$3,104
P&I Payment$2,133
Taxes & Ins$743
Utilities$228
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Mortgage Details

$404,976
Local Median: $404,976
$80,995 (20%)
%

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

Local Area Costs

Monthly$3,104

Monthly Breakdown

Principal & Interest
$2,133
Property Taxes
$630
Homeowners Ins.
$113
Utilities
$228

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$443,853

Local Housing Facts for Saugerties

  • ·Median home value: $404,976 (adjusted for current market conditions)
  • ·Est. property taxes: $7,561/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,351/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,740/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 Saugerties?

Based on the local median home value, estimated real estate property taxes in Saugerties are around $7,561 per year.

What is the average home price in Saugerties?

The median home value in Saugerties is currently estimated at $404,976.

How much does homeowners insurance cost in Saugerties?

For a median priced home, homeowners insurance in Saugerties averages around $1,351 annually.

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

True homeownership costs go beyond principal and interest. In Saugerties, a typical homeowner with a median-priced home of $404,976 can expect to pay roughly $7,561/yr in property taxes, $1,351/yr for homeowners insurance, and $2,740/yr in energy utilities. That adds approximately $971 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.