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Swampscott Mortgage Calculator

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

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Est. Total Monthly Cost
$5,734
P&I Payment$4,625
Taxes & Ins$820
Utilities$290
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Mortgage Details

$884,853
Local Median: $884,853
$176,971 (20%)
%

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

Local Area Costs

Monthly$5,734

Monthly Breakdown

Principal & Interest
$4,625
Property Taxes
$649
Homeowners Ins.
$171
Utilities
$290

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$957,035

Local Housing Facts for Swampscott

  • ·Median home value: $884,853 (adjusted for current market conditions)
  • ·Est. property taxes: $7,786/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,051/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,478/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 Swampscott?

Based on the local median home value, estimated real estate property taxes in Swampscott are around $7,786 per year.

What is the average home price in Swampscott?

The median home value in Swampscott is currently estimated at $884,853.

How much does homeowners insurance cost in Swampscott?

For a median priced home, homeowners insurance in Swampscott averages around $2,051 annually.

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

True homeownership costs go beyond principal and interest. In Swampscott, a typical homeowner with a median-priced home of $884,853 can expect to pay roughly $7,786/yr in property taxes, $2,051/yr for homeowners insurance, and $3,478/yr in energy utilities. That adds approximately $1,110 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.