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Southern Pines Mortgage Calculator

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

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Est. Total Monthly Cost
$3,346
P&I Payment$2,886
Taxes & Ins$297
Utilities$163

Mortgage Details

$551,118
Local Median: $551,118
$110,224 (20%)
%

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

Local Area Costs

Monthly$3,346

Monthly Breakdown

Principal & Interest
$2,886
Property Taxes
$202
Homeowners Ins.
$95
Utilities
$163

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$598,087

Local Housing Facts for Southern Pines

  • ·Median home value: $551,118 (adjusted for current market conditions)
  • ·Est. property taxes: $2,427/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,135/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,957/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 Southern Pines?

Based on the local median home value, estimated real estate property taxes in Southern Pines are around $2,427 per year.

What is the average home price in Southern Pines?

The median home value in Southern Pines is currently estimated at $551,118.

How much does homeowners insurance cost in Southern Pines?

For a median priced home, homeowners insurance in Southern Pines averages around $1,135 annually.

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

True homeownership costs go beyond principal and interest. In Southern Pines, a typical homeowner with a median-priced home of $551,118 can expect to pay roughly $2,427/yr in property taxes, $1,135/yr for homeowners insurance, and $1,957/yr in energy utilities. That adds approximately $460 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.