Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Williamsburg Mortgage Calculator

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

← Back to Williamsburg Hub
Est. Total Monthly Cost
$3,105
P&I Payment$2,607
Taxes & Ins$341
Utilities$157
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Williamsburg scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$496,785
Local Median: $496,785
$99,357 (20%)
%

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

Local Area Costs

Monthly$3,105

Monthly Breakdown

Principal & Interest
$2,607
Property Taxes
$191
Homeowners Ins.
$150
Utilities
$157

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$541,033

Local Housing Facts for Williamsburg

  • ·Median home value: $496,785 (adjusted for current market conditions)
  • ·Est. property taxes: $2,297/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,798/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,880/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 Williamsburg City?

Based on the local median home value, estimated real estate property taxes in Williamsburg City are around $2,297 per year.

What is the average home price in Williamsburg City?

The median home value in Williamsburg City is currently estimated at $496,785.

How much does homeowners insurance cost in Williamsburg City?

For a median priced home, homeowners insurance in Williamsburg City averages around $1,798 annually.

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

True homeownership costs go beyond principal and interest. In Williamsburg City, a typical homeowner with a median-priced home of $496,785 can expect to pay roughly $2,297/yr in property taxes, $1,798/yr for homeowners insurance, and $1,880/yr in energy utilities. That adds approximately $498 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.