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Williamsburg Mortgage Calculator

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

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Est. Total Monthly Cost
$3,179
P&I Payment$2,638
Taxes & Ins$341
Utilities$200

Mortgage Details

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

Local Area Costs

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Get a live quote priced specifically for Williamsburg City using Safe Rate's engine.

Monthly$3,179

Monthly Breakdown

Principal & Interest
$2,638
Property Taxes
$191
Homeowners Ins.
$150
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$552,142

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: $2,400/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 $2,400/yr in energy utilities. That adds approximately $541 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.