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Wise Mortgage Calculator

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

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Est. Total Monthly Cost
$1,110
P&I Payment$828
Taxes & Ins$93
Utilities$189
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Mortgage Details

$154,462
Local Median: $154,462
$30,892 (20%)
%

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

Local Area Costs

Monthly$1,110

Monthly Breakdown

Principal & Interest
$828
Property Taxes
$57
Homeowners Ins.
$36
Utilities
$189

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$174,665

Local Housing Facts for Wise

  • ·Median home value: $154,462 (adjusted for current market conditions)
  • ·Est. property taxes: $684/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $427/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,271/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 Wise?

Based on the local median home value, estimated real estate property taxes in Wise are around $684 per year.

What is the average home price in Wise?

The median home value in Wise is currently estimated at $154,462.

How much does homeowners insurance cost in Wise?

For a median priced home, homeowners insurance in Wise averages around $427 annually.

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

True homeownership costs go beyond principal and interest. In Wise, a typical homeowner with a median-priced home of $154,462 can expect to pay roughly $684/yr in property taxes, $427/yr for homeowners insurance, and $2,271/yr in energy utilities. That adds approximately $282 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.