Denton County Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance

Denton County has the second-lowest county tax rate among Texas's top 15 most populous counties. At $0.185938 per $100, it has no hospital district, no community college district, and no flood control district keeping rates low. Combined rates typically total 1.8-2.1%.

Loan Details

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$70,000 · LTV 80%

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Loan Term

Buyer Profile

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Extra Payment
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Optional principal-only payment used to estimate payoff speed and interest savings.

Monthly Payment

$2,127

$1,770 Principal & Interest · $233 Property Taxes · $125 Other

Principal & Interest
$1,770/mo
Property Taxes
$233/mo
Total Interest
$357,125
Loan Amount
$280,000
Total Cost
$637,125
Est. annual tax
$2,791 · 0.80%
$2,127/month
Principal & Interest$1,769.79/mo
Property Taxes$232.61/mo
Home Insurance$125.00/mo
Property Tax Breakdown
School District (ISD) Property Tax$2,280/yr
County Property Tax$511/yr
Est. annual tax$2,791 · 0.80%
Exemptions Applied
✓ISD Homestead Exemption
$1,140/yr
✓Local Optional Homestead
$700/yr
✓Denton County Homestead Exemption
$9/yr
Denton County has the second-lowest county tax rate among Texas's top 15 most populous counties. At $0.185938 per $100, it has no hospital district, no community college district, and no flood control district keeping rates low. Combined rates typically total 1.8-2.1%.

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.

Limitations

Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.

Official sources

Denton County Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance

Texas

Denton County has the second-lowest county tax rate among Texas's top 15 most populous counties. At $0.185938 per $100, it has no hospital district, no community college district, and no flood control district keeping rates low. Combined rates typically total 1.8-2.1%.

Use this mortgage calculator for Denton County, Texas 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: 1.33%
  • Configured benefits or exemptions: 10
  • Reviewed sources: 7

What Changes in Denton County, Texas

  • Data level used: county. This page uses the most specific available data layer for Denton County, Texas.
  • Configured combined annual property tax rate: 1.33% before exemptions and buyer-specific conditions are applied.
  • Configured down payment assistance programs: TSAHC Home Sweet Texas, TDHCA My First Texas Home.

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.

  • School District (ISD) Property Tax — 1.140%
  • County Property Tax — 0.186%

Programs and Exemptions Included

These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.

  • ISD Homestead Exemption — $100,000 (requires: primary residence)
  • Local Optional Homestead — 20% (requires: primary residence, local optional homestead exemption is offered)
  • Age 65+ ISD Tax Ceiling — $10,000 (requires: primary residence, buyer is age 65 or older)
  • Disabled Veteran Exemption — $12,000 (requires: primary residence, buyer is a disabled veteran)
  • Denton County Homestead Exemption — 1% (requires: primary residence)
  • Denton County Over-65 Exemption — $55,000 (requires: primary residence, buyer is age 65 or older)
  • TSAHC Home Sweet Texas — 5% of loan (requires: first-time buyer, primary residence, income is below the program cap)
  • TDHCA My First Texas Home — 5% of loan (requires: all buyers are first-time buyers, primary residence, income is below the program cap)
  • Mortgage Credit Certificate (MCC) — 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)
  • Texas MCC — 20% of mortgage interest (requires: first-time buyer, primary residence, income is below the program cap, 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 Title Insurance (Texas promulgated rate), but other settlement charges may appear on a real loan estimate.

Local Data and Sources

Last editorial verification: June 3, 2026. This page combines the official data layers configured for Denton County, Texas.

The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, Texas Comptroller residence homestead exemptions, Texas Department of Insurance title premium rates, TSAHC homebuyer assistance, TDHCA My First Texas Home, Denton County — News Flash: Adopted FY 2025-2026 Budget, Denton County — 2025 Notice of Tax Rate. Each source lists which rate, exemption, or program it validates and when it was last reviewed.

Frequently Asked Questions

What is the property tax rate in Texas?

Texas has no state property tax. Local rates average 1.6-2.2% and are the sum of school district, county, city, and special district levies.

What first-time buyer programs exist in Texas?

TSAHC Home Sweet Texas and TDHCA My First Texas Home both offer down payment assistance up to 5% of the loan, subject to current program limits. The Texas MCC provides an annual federal tax credit of up to $2,000.

How does the Texas homestead exemption work?

Primary residences receive a $100,000 school district exemption, plus an optional 20% local exemption (capped at $5,000 minimum). Appraised value can only rise 10% per year while homesteaded.

What is the Denton County property tax rate?

Denton County adopted a rate of $0.185938 per $100 valuation for FY 2025-26, the lowest county rate since 1986.

What is the homestead exemption in Denton County?

Denton County offers a 1% homestead exemption (minimum $5,000), plus a $55,000 over-65 exemption and a $15,000 disabled exemption.

Is Denton County a good deal for property taxes?

Yes — Denton County has the second-lowest county tax rate among Texas's 15 largest counties at $0.185938 per $100. With no hospital district, no community college district, and no flood control district, your total combined rate typically runs 1.8-2.1%, well below the Texas average.

How does the 1% homestead exemption actually help me?

Denton County's 1% exemption (minimum $5,000) saves about $5.60 per year on the county portion of a $300,000 home. While the county exemption is small, the real savings come from the $100,000 ISD exemption and the 10% appraisal cap. You still need to file — don't skip it.

Denton County vs. Collin County: Which is cheaper for property taxes?

Denton County's rate of $0.185938 per $100 is higher than Collin's $0.149343, but Denton still ranks second-lowest among major Texas counties. The difference on a $300,000 home is about $110 per year at the county level. Both counties lack hospital districts, keeping combined rates well below the Texas average.

Disclaimer: The results provided by this calculator are for informational purposes only and are not guaranteed to be accurate or applicable to your specific circumstances. They do not constitute financial, legal, medical, or professional advice. You should not rely on these results as a basis for making decisions. Always consult a qualified professional. Daily Calcs disclaims any liability for errors, omissions, or outcomes resulting from the use of this calculator.