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Topsham Mortgage Calculator

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

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Est. Total Monthly Cost
$2,761
P&I Payment$2,123
Taxes & Ins$452
Utilities$186
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Mortgage Details

$405,504
Local Median: $405,504
$81,101 (20%)
%

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

Local Area Costs

Monthly$2,761

Monthly Breakdown

Principal & Interest
$2,123
Property Taxes
$353
Homeowners Ins.
$99
Utilities
$186

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$439,907

Local Housing Facts for Topsham

  • ·Median home value: $405,504 (adjusted for current market conditions)
  • ·Est. property taxes: $4,237/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,188/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,230/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 Topsham?

Based on the local median home value, estimated real estate property taxes in Topsham are around $4,237 per year.

What is the average home price in Topsham?

The median home value in Topsham is currently estimated at $405,504.

How much does homeowners insurance cost in Topsham?

For a median priced home, homeowners insurance in Topsham averages around $1,188 annually.

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

True homeownership costs go beyond principal and interest. In Topsham, a typical homeowner with a median-priced home of $405,504 can expect to pay roughly $4,237/yr in property taxes, $1,188/yr for homeowners insurance, and $2,230/yr in energy utilities. That adds approximately $638 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.