Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Smithfield Mortgage Calculator

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

← Back to Smithfield Hub
Est. Total Monthly Cost
$1,285
P&I Payment$881
Taxes & Ins$178
Utilities$226
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Smithfield scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$165,248
Local Median: $165,248
$33,050 (20%)
%

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

Local Area Costs

Monthly$1,285

Monthly Breakdown

Principal & Interest
$881
Property Taxes
$116
Homeowners Ins.
$63
Utilities
$226

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$184,812

Local Housing Facts for Smithfield

  • ·Median home value: $165,248 (adjusted for current market conditions)
  • ·Est. property taxes: $1,389/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $752/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,707/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 Smithfield?

Based on the local median home value, estimated real estate property taxes in Smithfield are around $1,389 per year.

What is the average home price in Smithfield?

The median home value in Smithfield is currently estimated at $165,248.

How much does homeowners insurance cost in Smithfield?

For a median priced home, homeowners insurance in Smithfield averages around $752 annually.

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

True homeownership costs go beyond principal and interest. In Smithfield, a typical homeowner with a median-priced home of $165,248 can expect to pay roughly $1,389/yr in property taxes, $752/yr for homeowners insurance, and $2,707/yr in energy utilities. That adds approximately $404 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.