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
$2,000
P&I Payment$1,606
Taxes & Ins$138
Utilities$256
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

$303,111
Local Median: $303,111
$60,622 (20%)
%

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

Local Area Costs

Monthly$2,000

Monthly Breakdown

Principal & Interest
$1,606
Property Taxes
$64
Homeowners Ins.
$74
Utilities
$256

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$335,716

Local Housing Facts for Williamsburg

  • ·Median home value: $303,111 (adjusted for current market conditions)
  • ·Est. property taxes: $765/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $890/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,067/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 $765 per year.

What is the average home price in Williamsburg?

The median home value in Williamsburg is currently estimated at $303,111.

How much does homeowners insurance cost in Williamsburg?

For a median priced home, homeowners insurance in Williamsburg averages around $890 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 $303,111 can expect to pay roughly $765/yr in property taxes, $890/yr for homeowners insurance, and $3,067/yr in energy utilities. That adds approximately $394 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.