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Southampton Mortgage Calculator

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

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Est. Total Monthly Cost
$13,147
P&I Payment$11,787
Taxes & Ins$1,031
Utilities$329
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Mortgage Details

$2,187,197
Local Median: $2,187,197
$437,439 (20%)
%

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

Local Area Costs

Monthly$13,147

Monthly Breakdown

Principal & Interest
$11,787
Property Taxes
$697
Homeowners Ins.
$333
Utilities
$329

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$2,493,656

Local Housing Facts for Southampton

  • ·Median home value: $2,187,197 (adjusted for current market conditions)
  • ·Est. property taxes: $8,368/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $4,000/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,952/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 Southampton?

Based on the local median home value, estimated real estate property taxes in Southampton are around $8,368 per year.

What is the average home price in Southampton?

The median home value in Southampton is currently estimated at $2,187,197.

How much does homeowners insurance cost in Southampton?

For a median priced home, homeowners insurance in Southampton averages around $4,000 annually.

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

True homeownership costs go beyond principal and interest. In Southampton, a typical homeowner with a median-priced home of $2,187,197 can expect to pay roughly $8,368/yr in property taxes, $4,000/yr for homeowners insurance, and $3,952/yr in energy utilities. That adds approximately $1,360 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.