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Stony Brook Mortgage Calculator

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

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Est. Total Monthly Cost
$5,165
P&I Payment$3,908
Taxes & Ins$974
Utilities$283
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Mortgage Details

$748,235
Local Median: $748,235
$149,647 (20%)
%

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

Local Area Costs

Monthly$5,165

Monthly Breakdown

Principal & Interest
$3,908
Property Taxes
$833
Homeowners Ins.
$141
Utilities
$283

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$808,123

Local Housing Facts for Stony Brook

  • ·Median home value: $748,235 (adjusted for current market conditions)
  • ·Est. property taxes: $10,001/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,690/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,396/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 Stony Brook?

Based on the local median home value, estimated real estate property taxes in Stony Brook are around $10,001 per year.

What is the average home price in Stony Brook?

The median home value in Stony Brook is currently estimated at $748,235.

How much does homeowners insurance cost in Stony Brook?

For a median priced home, homeowners insurance in Stony Brook averages around $1,690 annually.

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

True homeownership costs go beyond principal and interest. In Stony Brook, a typical homeowner with a median-priced home of $748,235 can expect to pay roughly $10,001/yr in property taxes, $1,690/yr for homeowners insurance, and $3,396/yr in energy utilities. That adds approximately $1,257 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.