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Topsail Beach Mortgage Calculator

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

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Est. Total Monthly Cost
$5,744
P&I Payment$4,160
Taxes & Ins$1,442
Utilities$141
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Mortgage Details

$796,409
Local Median: $796,409
$159,282 (20%)
%

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

Local Area Costs

Monthly$5,744

Monthly Breakdown

Principal & Interest
$4,160
Property Taxes
$390
Homeowners Ins.
$1,052
Utilities
$141

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$860,612

Local Housing Facts for Topsail Beach

  • ·Median home value: $796,409 (adjusted for current market conditions)
  • ·Est. property taxes: $4,683/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $12,623/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,694/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 Topsail Beach?

Based on the local median home value, estimated real estate property taxes in Topsail Beach are around $4,683 per year.

What is the average home price in Topsail Beach?

The median home value in Topsail Beach is currently estimated at $796,409.

How much does homeowners insurance cost in Topsail Beach?

For a median priced home, homeowners insurance in Topsail Beach averages around $12,623 annually.

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

True homeownership costs go beyond principal and interest. In Topsail Beach, a typical homeowner with a median-priced home of $796,409 can expect to pay roughly $4,683/yr in property taxes, $12,623/yr for homeowners insurance, and $1,694/yr in energy utilities. That adds approximately $1,583 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.