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Scotts Valley Mortgage Calculator

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

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Est. Total Monthly Cost
$8,851
P&I Payment$7,792
Taxes & Ins$804
Utilities$254
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Mortgage Details

$1,462,017
Local Median: $1,462,017
$292,403 (20%)
%

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

Local Area Costs

Monthly$8,851

Monthly Breakdown

Principal & Interest
$7,792
Property Taxes
$717
Homeowners Ins.
$87
Utilities
$254

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,635,675

Local Housing Facts for Scotts Valley

  • ·Median home value: $1,462,017 (adjusted for current market conditions)
  • ·Est. property taxes: $8,607/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,046/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,053/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 Scotts Valley?

Based on the local median home value, estimated real estate property taxes in Scotts Valley are around $8,607 per year.

What is the average home price in Scotts Valley?

The median home value in Scotts Valley is currently estimated at $1,462,017.

How much does homeowners insurance cost in Scotts Valley?

For a median priced home, homeowners insurance in Scotts Valley averages around $1,046 annually.

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

True homeownership costs go beyond principal and interest. In Scotts Valley, a typical homeowner with a median-priced home of $1,462,017 can expect to pay roughly $8,607/yr in property taxes, $1,046/yr for homeowners insurance, and $3,053/yr in energy utilities. That adds approximately $1,059 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.