Houston Mortgage Calculator
Estimate your monthly payment including Houston's specific property tax rates and insurance costs. Adjust the numbers below. Everything updates live.
Loan Details
Houston Property Tax Tip
Property taxes in Harris County average around 2.1% to 2.3%. If you're looking to sell and buy something new, compare your selling solutions first.
Why Pre-Approval Matters
- ✓Know exactly what you can afford
- ✓Sellers take your offers seriously
- ✓Lock in your interest rate
- ✓Faster closing timeline
How this estimate works
The monthly number is three pieces added together: principal and interest on the loan (standard amortization over the term you pick), one twelfth of your annual property tax (home price times the tax rate), and one twelfth of your annual insurance.
A few things it deliberately leaves out, because they vary house to house: PMI if you put down less than 20%, HOA dues, flood insurance, and MUD or other special district taxes that are common in newer Houston-area neighborhoods. Your lender's quote will include all of those, so treat this as a starting point, not a final answer.
Estimates only. This is not a loan offer, a rate quote, or financial advice.
Selling your current home first?
Most buyers we meet are sellers too. Before you commit to a payment, see what your current home would bring on each path, or ask us and we'll walk you through it.
