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Surry County Mortgage Calculator

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

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Est. Total Monthly Cost
$1,507
P&I Payment$1,218
Taxes & Ins$134
Utilities$155
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Mortgage Details

$229,816
Local Median: $229,816
$45,963 (20%)
%

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

Local Area Costs

Monthly$1,507

Monthly Breakdown

Principal & Interest
$1,218
Property Taxes
$91
Homeowners Ins.
$43
Utilities
$155

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$254,714

Local Housing Facts for Surry County

  • ·Median home value: $229,816 (adjusted for current market conditions)
  • ·Est. property taxes: $1,090/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $515/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,858/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 Surry County?

Based on the local median home value, estimated real estate property taxes in Surry County are around $1,090 per year.

What is the average home price in Surry County?

The median home value in Surry County is currently estimated at $229,816.

How much does homeowners insurance cost in Surry County?

For a median priced home, homeowners insurance in Surry County averages around $515 annually.

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

True homeownership costs go beyond principal and interest. In Surry County, a typical homeowner with a median-priced home of $229,816 can expect to pay roughly $1,090/yr in property taxes, $515/yr for homeowners insurance, and $1,858/yr in energy utilities. That adds approximately $289 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.