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Surgoinsville Mortgage Calculator

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

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Est. Total Monthly Cost
$1,708
P&I Payment$1,399
Taxes & Ins$130
Utilities$178
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Mortgage Details

$264,308
Local Median: $264,308
$52,862 (20%)
%

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

Local Area Costs

Monthly$1,708

Monthly Breakdown

Principal & Interest
$1,399
Property Taxes
$69
Homeowners Ins.
$61
Utilities
$178

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$292,280

Local Housing Facts for Surgoinsville

  • ·Median home value: $264,308 (adjusted for current market conditions)
  • ·Est. property taxes: $830/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $735/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,135/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 Surgoinsville?

Based on the local median home value, estimated real estate property taxes in Surgoinsville are around $830 per year.

What is the average home price in Surgoinsville?

The median home value in Surgoinsville is currently estimated at $264,308.

How much does homeowners insurance cost in Surgoinsville?

For a median priced home, homeowners insurance in Surgoinsville averages around $735 annually.

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

True homeownership costs go beyond principal and interest. In Surgoinsville, a typical homeowner with a median-priced home of $264,308 can expect to pay roughly $830/yr in property taxes, $735/yr for homeowners insurance, and $2,135/yr in energy utilities. That adds approximately $308 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.