Safe Rate Local

Surry County Mortgage Calculator

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

← Back to Surry County Hub
Est. Total Monthly Cost
$1,994
P&I Payment$1,565
Taxes & Ins$230
Utilities$200

Mortgage Details

$290,954
Local Median: $290,954
$58,191 (20%)
%

Local Area Costs

Ready to see real rates?

Get a live quote priced specifically for Surry County using Safe Rate's engine.

Monthly$1,994

Monthly Breakdown

Principal & Interest
$1,565
Property Taxes
$138
Homeowners Ins.
$91
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$330,590

Local Housing Facts for Surry County

  • ·Median home value: $290,954 (adjusted for current market conditions)
  • ·Est. property taxes: $1,657/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,097/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/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 $1,657 per year.

What is the average home price in Surry County?

The median home value in Surry County is currently estimated at $290,954.

How much does homeowners insurance cost in Surry County?

For a median priced home, homeowners insurance in Surry County averages around $1,097 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 $290,954 can expect to pay roughly $1,657/yr in property taxes, $1,097/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $430 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.