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Smithfield Mortgage Calculator

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

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Est. Total Monthly Cost
$2,000
P&I Payment$1,502
Taxes & Ins$222
Utilities$276
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Mortgage Details

$283,482
Local Median: $283,482
$56,696 (20%)
%

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

Local Area Costs

Monthly$2,000

Monthly Breakdown

Principal & Interest
$1,502
Property Taxes
$166
Homeowners Ins.
$55
Utilities
$276

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$313,866

Local Housing Facts for Smithfield

  • ·Median home value: $283,482 (adjusted for current market conditions)
  • ·Est. property taxes: $1,995/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $665/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,314/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 $1,995 per year.

What is the average home price in Smithfield?

The median home value in Smithfield is currently estimated at $283,482.

How much does homeowners insurance cost in Smithfield?

For a median priced home, homeowners insurance in Smithfield averages around $665 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 $283,482 can expect to pay roughly $1,995/yr in property taxes, $665/yr for homeowners insurance, and $3,314/yr in energy utilities. That adds approximately $498 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.