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Smyth County Mortgage Calculator

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

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Est. Total Monthly Cost
$1,174
P&I Payment$906
Taxes & Ins$107
Utilities$161
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Mortgage Details

$169,967
Local Median: $169,967
$33,993 (20%)
%

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

Local Area Costs

Monthly$1,174

Monthly Breakdown

Principal & Interest
$906
Property Taxes
$68
Homeowners Ins.
$40
Utilities
$161

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$190,024

Local Housing Facts for Smyth County

  • ·Median home value: $169,967 (adjusted for current market conditions)
  • ·Est. property taxes: $811/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $474/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,934/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 Smyth County?

Based on the local median home value, estimated real estate property taxes in Smyth County are around $811 per year.

What is the average home price in Smyth County?

The median home value in Smyth County is currently estimated at $169,967.

How much does homeowners insurance cost in Smyth County?

For a median priced home, homeowners insurance in Smyth County averages around $474 annually.

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

True homeownership costs go beyond principal and interest. In Smyth County, a typical homeowner with a median-priced home of $169,967 can expect to pay roughly $811/yr in property taxes, $474/yr for homeowners insurance, and $1,934/yr in energy utilities. That adds approximately $268 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.