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Zephyrhills Mortgage Calculator

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

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Est. Total Monthly Cost
$1,390
P&I Payment$1,046
Taxes & Ins$200
Utilities$145
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Mortgage Details

$196,613
Local Median: $196,613
$39,323 (20%)
%

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

Local Area Costs

Monthly$1,390

Monthly Breakdown

Principal & Interest
$1,046
Property Taxes
$110
Homeowners Ins.
$90
Utilities
$145

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$219,358

Local Housing Facts for Zephyrhills

  • ·Median home value: $196,613 (adjusted for current market conditions)
  • ·Est. property taxes: $1,316/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,078/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,737/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 Zephyrhills?

Based on the local median home value, estimated real estate property taxes in Zephyrhills are around $1,316 per year.

What is the average home price in Zephyrhills?

The median home value in Zephyrhills is currently estimated at $196,613.

How much does homeowners insurance cost in Zephyrhills?

For a median priced home, homeowners insurance in Zephyrhills averages around $1,078 annually.

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

True homeownership costs go beyond principal and interest. In Zephyrhills, a typical homeowner with a median-priced home of $196,613 can expect to pay roughly $1,316/yr in property taxes, $1,078/yr for homeowners insurance, and $1,737/yr in energy utilities. That adds approximately $344 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.