Prince George's County, Maryland Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Prince George's County uses a local benchmark for Maryland suburbs east of Washington, DC. Prince George's County uses a local property-tax planning benchmark of about 1.40% on this page. On a $400,000 Prince George's County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $467/mo, for estimated PITI near $2,590 before PMI. Confirm overlapping city, school, and special-district layers on the parcel before treating escrow as final.
Loan Details
$70,000 · LTV 80%
Buyer Profile
Extra Payment
Optional principal-only payment used to estimate payoff speed and interest savings.
Monthly Payment
$1,770 Principal & Interest · $408 Property Taxes · $125 Other
Methodology and limitations
Last reviewed:
Methodology
Uses standard principal-and-interest mortgage math, then models housing-cost inputs such as tax, insurance, PMI, and extra-payment scenarios where available. National pages include worked PITI, term, and PMI comparison examples for planning.
Limitations
Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.
Prince George's County, Maryland Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Maryland
Prince George's County uses a local benchmark for Maryland suburbs east of Washington, DC. Prince George's County uses a local property-tax planning benchmark of about 1.40% on this page. On a $400,000 Prince George's County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $467/mo, for estimated PITI near $2,590 before PMI. Confirm overlapping city, school, and special-district layers on the parcel before treating escrow as final.
Use this mortgage calculator for Prince George's County, Maryland to estimate the monthly payment with principal, interest, configured annual taxes, eligible exemptions, and assistance programs when the buyer profile matches the conditions.
What This Estimate Uses
- Geographic level: county
- Configured property tax rate: 1.40%
- Configured benefits or exemptions: 2
- Reviewed sources: 4
What Changes in Prince George's County, Maryland
- Data level used: county. This page uses the most specific available data layer for Prince George's County, Maryland.
- Configured combined annual property tax rate: 1.40% before exemptions and buyer-specific conditions are applied.
- Configured down payment assistance programs: Maryland Mortgage Program Down Payment Assistance.
Local Tax Assumptions
These are the annual tax assumptions configured for this page. The calculator applies them to the appropriate value, then accounts for exemptions or conditions when the buyer selects them.
- Maryland Local Property Tax - 1.400%
Programs and Exemptions Included
These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.
- Maryland Mortgage Program Down Payment Assistance - $6,000 (requires: first-time buyer, primary residence)
- Mortgage Credit Certificate (MCC) - 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)
When This Estimate Can Change
- The actual property tax bill depends on the address, overlapping taxing jurisdictions, approved exemptions, and appraised value.
- Home insurance, flood insurance, HOA dues, and PMI can vary by property, lender, and buyer profile.
- Configured closing costs include Maryland State Transfer Tax, Maryland Recordation Tax, but other settlement charges may appear on a real loan estimate.
2025 Local Home-Purchase Mortgage Market in Prince George's County, Maryland
Local home-purchase mortgage market context for Prince George's County, Maryland: in 2025 Home Mortgage Disclosure Act (HMDA) data, Prince George's County logged 12,847 final-action applications. The mortgage denial rate was 12.24% and the originated share was 64.33%.
| Metric | Prince George's County | State |
|---|---|---|
| Final-action applications | 12,847 | 91,433 |
| Mortgage denial rate | 12.24% | 9.03% |
| Originated share | 64.33% | 69.65% |
Source: FFIEC HMDA 2025 (LAR modificado, compra de vivienda) · Texas vs California mortgage denial rates (methodology)
Nearby location comparison
Planning comparison on a $400,000 home with 20% down, 6.5% fixed for 30 years, and $100/mo insurance. Monthly tax uses each page's configured property tax rate.
| Location | Est. property tax rate | Est. monthly tax | Est. monthly PITI |
|---|---|---|---|
| Prince George's County (this page) | 1.40% | $467 | $2,589 |
| Anne Arundel County | 1.00% | $333 | $2,456 |
| Baltimore City | 2.40% | $800 | $2,923 |
| Baltimore County | 1.10% | $367 | $2,489 |
| Frederick County | 1.10% | $367 | $2,489 |
| Howard County | 1.10% | $367 | $2,489 |
Local Data and Sources
Last editorial verification: May 15, 2026. This page combines the official data layers configured for Prince George's County, Maryland.
The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, Maryland real property tax, Maryland transfer and recordation taxes, Maryland Mortgage Program. Each source lists which rate, exemption, or program it validates and when it was last reviewed.
- Consumer Financial Protection Bureau mortgage cost guidance - verified May 3, 2026 - General U.S. mortgage closing-cost and mortgage-cost guidance.
- Maryland real property tax - verified May 15, 2026 - Official SDAT source for Maryland real property and assessment information.
- Maryland transfer and recordation taxes - verified May 15, 2026 - Official SDAT source for Maryland transfer tax and recordation tax guidance.
- Maryland Mortgage Program - verified May 15, 2026 - Official source for Maryland Mortgage Program homebuyer assistance.
Frequently Asked Questions
What Maryland closing taxes are modeled?
The state estimate includes Maryland state transfer tax and a recordation tax planning estimate. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.
What Maryland assistance is modeled?
The calculator models Maryland Mortgage Program down payment assistance for eligible first-time buyers. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.
What is a sample Maryland PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.10% statewide property-tax planning rate, monthly escrow is about $367; with $100 insurance, estimated PITI is about $2,490 without PMI. Drill into county or city calculators for address-level millage.
Why include Prince George's County?
Prince George's County is a large Washington-area purchase and refinance market. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.
What property tax rate does the Prince George's County mortgage calculator use?
Prince George's County uses a local planning benchmark of about 1.40% on this page. On a $400,000 home that is roughly $5,600 per year or $467 per month in escrow before exemptions or special districts. Parcel bills can still differ—verify the levy code on the address you are buying.
What is a sample Prince George's County PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.40% property tax, monthly escrow is about $467; with $100 insurance, estimated PITI is about $2,590 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.
How does Prince George's County fit Maryland mortgage planning?
Prince George's County uses a ~1.40% local planning rate for escrow. Compare Montgomery, Prince George's, or Baltimore-area pages on the same purchase price; condo fees and commute costs can outweigh small millage gaps. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.