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
$3,024
P&I Payment$2,190
Taxes & Ins$606
Utilities$229
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

$415,545
Local Median: $415,545
$83,109 (20%)
%

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

Local Area Costs

Monthly$3,024

Monthly Breakdown

Principal & Interest
$2,190
Property Taxes
$474
Homeowners Ins.
$133
Utilities
$229

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$455,837

Local Housing Facts for Williamsburg

  • ·Median home value: $415,545 (adjusted for current market conditions)
  • ·Est. property taxes: $5,683/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,591/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,743/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?

Based on the local median home value, estimated real estate property taxes in Williamsburg are around $5,683 per year.

What is the average home price in Williamsburg?

The median home value in Williamsburg is currently estimated at $415,545.

How much does homeowners insurance cost in Williamsburg?

For a median priced home, homeowners insurance in Williamsburg averages around $1,591 annually.

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

True homeownership costs go beyond principal and interest. In Williamsburg, a typical homeowner with a median-priced home of $415,545 can expect to pay roughly $5,683/yr in property taxes, $1,591/yr for homeowners insurance, and $2,743/yr in energy utilities. That adds approximately $835 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.