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St. Thomas Mortgage Calculator

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

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Est. Total Monthly Cost
$2,580
P&I Payment$2,054
Taxes & Ins$306
Utilities$220
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Mortgage Details

$384,217
Local Median: $384,217
$76,843 (20%)
%

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

Local Area Costs

Monthly$2,580

Monthly Breakdown

Principal & Interest
$2,054
Property Taxes
$192
Homeowners Ins.
$114
Utilities
$220

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$432,235

Local Housing Facts for St. Thomas

  • ·Median home value: $384,217 (adjusted for current market conditions)
  • ·Est. property taxes: $2,305/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,362/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,645/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 St. Thomas?

Based on the local median home value, estimated real estate property taxes in St. Thomas are around $2,305 per year.

What is the average home price in St. Thomas?

The median home value in St. Thomas is currently estimated at $384,217.

How much does homeowners insurance cost in St. Thomas?

For a median priced home, homeowners insurance in St. Thomas averages around $1,362 annually.

What is the true total cost of owning a home in St. Thomas?

True homeownership costs go beyond principal and interest. In St. Thomas, a typical homeowner with a median-priced home of $384,217 can expect to pay roughly $2,305/yr in property taxes, $1,362/yr for homeowners insurance, and $2,645/yr in energy utilities. That adds approximately $526 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.