Fort Bend County, Texas Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Fort Bend County has no hospital district - a key difference from neighboring Harris County - keeping combined rates around 1.84%. The county rate of $0.4220 per $100 includes general fund and drainage. Combined property tax in Fort Bend County typically totals 1.8-2.1% depending on MUDs and school district. On a $400,000 Fort Bend County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; property tax escrow at ~0.42% is about $141/mo, for estimated PITI near $2,264 before PMI.
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 · $269 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.
Official sources
- 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
- Fort Bend County - Tax Rate Info & Notices 2025
- Fort Bend Central Appraisal District - Tax Rates
Fort Bend County, Texas Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Texas
Fort Bend County has no hospital district - a key difference from neighboring Harris County - keeping combined rates around 1.84%. The county rate of $0.4220 per $100 includes general fund and drainage. Combined property tax in Fort Bend County typically totals 1.8-2.1% depending on MUDs and school district. On a $400,000 Fort Bend County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; property tax escrow at ~0.42% is about $141/mo, for estimated PITI near $2,264 before PMI.
Use this mortgage calculator for Fort Bend 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: 1.56%
- Configured benefits or exemptions: 9
- Reviewed sources: 7
What Changes in Fort Bend County, Texas
- Data level used: county. This page uses the most specific available data layer for Fort Bend County, Texas.
- Configured combined annual property tax rate: 1.56% 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 - 0.422%
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)
- Fort Bend County Homestead Exemption - 20% (requires: primary residence)
- 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.
2025 Local Home-Purchase Mortgage Market in Fort Bend County, Texas
Local home-purchase mortgage market context for Fort Bend County, Texas: in 2025 Home Mortgage Disclosure Act (HMDA) data, Fort Bend County logged 19,110 final-action applications. The mortgage denial rate was 11.11% and the originated share was 65.15%.
| Metric | Fort Bend County | State |
|---|---|---|
| Final-action applications | 19,110 | 576,435 |
| Mortgage denial rate | 11.11% | 14.50% |
| Originated share | 65.15% | 61.81% |
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 |
|---|---|---|---|
| Fort Bend County (this page) | 1.56% | $521 | $2,643 |
| Bexar County | 1.44% | $480 | $2,603 |
| Collin County | 1.37% | $457 | $2,579 |
| Dallas County | 1.67% | $558 | $2,681 |
| Denton County | 1.33% | $442 | $2,565 |
| El Paso County | 1.98% | $660 | $2,782 |
Local Data and Sources
Last editorial verification: June 3, 2026. This page combines the official data layers configured for Fort Bend 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, Fort Bend County - Tax Rate Info & Notices 2025, Fort Bend Central Appraisal District - Tax Rates. 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.
- Texas Comptroller residence homestead exemptions - verified May 3, 2026 - Official source for Texas homestead exemption and appraisal-cap rules.
- Texas Department of Insurance title premium rates - verified May 3, 2026 - Official source for Texas promulgated title insurance premium rate tables.
- TSAHC homebuyer assistance - verified May 3, 2026 - Official source for TSAHC DPA program availability and limits.
- TDHCA My First Texas Home - verified May 3, 2026 - Official source for TDHCA first-time buyer assistance and MCC program rules.
- Fort Bend County - Tax Rate Info & Notices 2025 - verified June 3, 2026 - Official source for Fort Bend County property tax rate and exemption notices.
- Fort Bend Central Appraisal District - Tax Rates - verified June 3, 2026 - Official source for Fort Bend County tax rates showing $0.412000 general fund + $0.010000 drainage.
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. 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 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. 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.
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. 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 Texas PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.54% statewide property-tax planning rate, monthly escrow is about $513; with $100 insurance, estimated PITI is about $2,636 without PMI. Drill into county or city calculators for address-level millage.
What is the Fort Bend County property tax rate?
Fort Bend County adopted a total rate of $0.4220 per $100 for 2025 ($0.4120 general + $0.0100 drainage). Combined rates for a typical Sugar Land home total approximately 1.84%. 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.
Does Fort Bend County have a hospital district?
No. Unlike neighboring Harris County, Fort Bend County does not have a county-wide hospital district, which saves homeowners roughly $0.19 per $100. 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.
Does Fort Bend County really save me money without a hospital district?
Yes - Fort Bend County has no hospital district, saving homeowners roughly $0.19 per $100 compared to Harris County. Combined rates average 1.84%, well below Harris County's 2.1-2.8%. On a $350,000 home, that's about $665 less per year in taxes.
Is Fort Bend County cheaper than living in Harris County?
For property taxes, yes - Fort Bend's all-in rate of 1.84% is significantly lower than Harris County's 2.1-2.8%. The absence of a hospital district and lower MUD assessments in many areas make Fort Bend attractive for Houston-area buyers watching their tax burden.
What is a sample Fort Bend County PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.42% property tax, monthly escrow is about $141; with $100 insurance, estimated PITI is about $2,264 without PMI. Adjust price, rate, and down payment above to match your offer.