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Texas Mortgage Calculator

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

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Est. Total Monthly Cost
$1,717
P&I Payment$1,223
Taxes & Ins$414
Utilities$80
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Mortgage Details

$230,931
Local Median: $230,931
$46,186 (20%)
%

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

Local Area Costs

Monthly$1,717

Monthly Breakdown

Principal & Interest
$1,223
Property Taxes
$238
Homeowners Ins.
$176
Utilities
$80

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$255,594

Local Housing Facts for Texas

  • ·Median home value: $230,931 (adjusted for current market conditions)
  • ·Est. property taxes: $2,854/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,111/yr — based on local per-$1K premium rates
  • ·Energy utilities: $958/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 Texas City?

Based on the local median home value, estimated real estate property taxes in Texas City are around $2,854 per year.

What is the average home price in Texas City?

The median home value in Texas City is currently estimated at $230,931.

How much does homeowners insurance cost in Texas City?

For a median priced home, homeowners insurance in Texas City averages around $2,111 annually.

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

True homeownership costs go beyond principal and interest. In Texas City, a typical homeowner with a median-priced home of $230,931 can expect to pay roughly $2,854/yr in property taxes, $2,111/yr for homeowners insurance, and $958/yr in energy utilities. That adds approximately $494 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.