Williamson County, Tennessee Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Williamson County covers high-value Nashville suburbs including Franklin and Brentwood. Williamson County uses a local property-tax planning benchmark of about 0.48% on this page. On a $400,000 Williamson County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $160/mo, for estimated PITI near $2,283 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 · $140 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.
Williamson County, Tennessee Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Tennessee
Williamson County covers high-value Nashville suburbs including Franklin and Brentwood. Williamson County uses a local property-tax planning benchmark of about 0.48% on this page. On a $400,000 Williamson County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $160/mo, for estimated PITI near $2,283 before PMI. Confirm overlapping city, school, and special-district layers on the parcel before treating escrow as final.
Use this mortgage calculator for Williamson County, Tennessee 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: 0.48%
- Configured benefits or exemptions: 2
- Reviewed sources: 4
What Changes in Williamson County, Tennessee
- Data level used: county. This page uses the most specific available data layer for Williamson County, Tennessee.
- Configured combined annual property tax rate: 0.48% before exemptions and buyer-specific conditions are applied.
- Configured down payment assistance programs: THDA Great Choice 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.
- Tennessee Local Property Tax - 0.480%
Programs and Exemptions Included
These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.
- THDA Great Choice Down Payment Assistance - 5% of sale price, up to $15,000 (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 Tennessee Real Estate Transfer Tax, Tennessee Mortgage Tax, but other settlement charges may appear on a real loan estimate.
2025 Local Home-Purchase Mortgage Market in Williamson County, Tennessee
Local home-purchase mortgage market context for Williamson County, Tennessee: in 2025 Home Mortgage Disclosure Act (HMDA) data, Williamson County logged 5,507 final-action applications. The mortgage denial rate was 5.41% and the originated share was 70.73%.
| Metric | Williamson County | State |
|---|---|---|
| Final-action applications | 5,507 | 140,634 |
| Mortgage denial rate | 5.41% | 11.18% |
| Originated share | 70.73% | 65.01% |
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 |
|---|---|---|---|
| Williamson County (this page) | 0.48% | $160 | $2,283 |
| Davidson County | 0.68% | $227 | $2,349 |
| Hamilton County | 0.70% | $233 | $2,356 |
| Knox County | 0.64% | $213 | $2,336 |
| Rutherford County | 0.60% | $200 | $2,323 |
| Shelby County | 1.20% | $400 | $2,523 |
Local Data and Sources
Last editorial verification: May 15, 2026. This page combines the official data layers configured for Williamson County, Tennessee.
The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, Tennessee Comptroller property tax, Tennessee Department of Revenue mortgage and transfer taxes, Tennessee Housing Development Agency down payment assistance. 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.
- Tennessee Comptroller property tax - verified May 15, 2026 - Official source for Tennessee property assessment and local property-tax administration.
- Tennessee Department of Revenue mortgage and transfer taxes - verified May 15, 2026 - Official source for Tennessee recordation, transfer, and mortgage tax guidance.
- Tennessee Housing Development Agency down payment assistance - verified May 15, 2026 - Official THDA source for Great Choice down payment assistance options and limits.
Frequently Asked Questions
What Tennessee closing taxes are modeled?
The state estimate includes Tennessee real estate transfer tax on the sale price and mortgage tax on the loan amount. 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 Tennessee assistance is modeled?
The state file models THDA down payment assistance as up to 5% of the sales price, capped at $15,000, 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 Tennessee PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.65% statewide property-tax planning rate, monthly escrow is about $217; with $100 insurance, estimated PITI is about $2,340 without PMI. Drill into county or city calculators for address-level millage.
Why include Williamson County?
Williamson is a high-value, high-demand Nashville suburban mortgage 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 Williamson County mortgage calculator use?
Williamson County uses a local planning benchmark of about 0.48% on this page. On a $400,000 home that is roughly $1,920 per year or $160 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 Williamson County PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.48% property tax, monthly escrow is about $160; with $100 insurance, estimated PITI is about $2,283 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 Williamson County compare with other Tennessee counties?
Williamson County's ~0.48% planning rate is only part of affordability—local prices drive most PITI differences. Compare Davidson, Shelby, Knox, or Williamson pages with the same down payment and rate. 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.