How can I estimate homeowners insurance when I haven’t found a home?

Go the the taxing authorities homepage for your county (Google it). You can look up the average taxes on the homes for the neighborhoods you are considering.

Are you using a realtor? They can tell you.

Go to your county for the tax mil rate - this is the multiplier the county/locale uses for determining taxes on value. Your insurance is going to be dependant on a couple factors - what percentage you put down, value of the real property and value of owned property (talk to your insurance agent). Many Real Estate companies offer a mortgage calculator on their websites, which you can use to figure out payments on most homes.

You really need to be working with a Realtor, preferably in a Buyer Agency. You will be protected in your purchase, and a good, honest Realtor will help you figure out exactly what you should be looking at. You should also find a mortgage lender right away, some of them also offer client education on smart homebuying.

Good luck with your new adventure!

A half decent rule of thumb in Pennsylvania is that you’ll pay $4 per thousand per year. Dunno about other states.

Taxes vary from property to property. 2 identical houses across the street from each other can have significantly different tax bills.