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South Dayton Mortgage Calculator

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

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Est. Total Monthly Cost

$1,130

P&I Payment$625

Taxes & Ins$309

Utilities$195

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Mortgage Details

Home Price$118,923

Local Median: $118,923

Down Payment$23,785 (20%)

Interest Rate

Loan Term

Credit Score

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

Local Area Costs

Property Taxes / yr$2,990

Homeowners Ins. / yr$722

Include Flood InsuranceOptional

Estimated based on South Dayton FEMA risk profiles.

Include Est. Utilities$2,342/yr

Based on DOE LEAD data for South Dayton.

Monthly$1,130

Monthly Breakdown

Principal & Interest

$625

Property Taxes

$249

Homeowners Ins.

$60

Utilities

$195

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$129,996

Local Housing Facts for South Dayton

·Median home value: $118,923 (adjusted for current market conditions)
·Est. property taxes: $2,990/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $722/yr — based on local per-$1K premium rates
·Energy utilities: $2,342/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 South Dayton?

Based on the local median home value, estimated real estate property taxes in South Dayton are around $2,990 per year.

What is the average home price in South Dayton?

The median home value in South Dayton is currently estimated at $118,923.

How much does homeowners insurance cost in South Dayton?

For a median priced home, homeowners insurance in South Dayton averages around $722 annually.

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

True homeownership costs go beyond principal and interest. In South Dayton, a typical homeowner with a median-priced home of $118,923 can expect to pay roughly $2,990/yr in property taxes, $722/yr for homeowners insurance, and $2,342/yr in energy utilities. That adds approximately $505 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.