Harris County, Texas Mortgage Calculator - Estimate Your Monthly Payment with Taxes, PMI & Insurance
Harris County (Houston) combined property tax typically totals 2.1-2.8% for homes inside MUDs. Harris County uses a local property-tax planning benchmark of about 0.68% on this page. On a $400,000 Harris County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $226/mo, for estimated PITI near $2,349 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 · $330 Property Taxes · $125 Other
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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. Local HMDA denial context and Freddie Mac PMMS rate history snapshots were re-verified on the last-reviewed date.
Limitations
Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.
Harris County, Texas Mortgage Calculator - Estimate Your Monthly Payment with Taxes, PMI & Insurance
Texas
Harris County (Houston) combined property tax typically totals 2.1-2.8% for homes inside MUDs. Harris County uses a local property-tax planning benchmark of about 0.68% on this page. On a $400,000 Harris County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; tax escrow is about $226/mo, for estimated PITI near $2,349 before PMI. Confirm overlapping city, school, and special-district layers on the parcel before treating escrow as final.
Use this mortgage calculator for Harris 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.
Enter your income to see your approval odds in Harris County, Texas — based on 69,175 2025 HMDA applications.
What This Estimate Uses
- Geographic level: county
- Configured property tax rate: 2.72%
- Configured benefits or exemptions: 9
- Reviewed sources: 6
What Changes in Harris County, Texas
- Data level used: county. This page uses the most specific available data layer for Harris County, Texas.
- Configured combined annual property tax rate: 2.72% before exemptions and buyer-specific conditions are applied.
- MUD (Municipal Utility District) is included only when these conditions apply: property is inside a Municipal Utility District.
- 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 - 0.391%
- Harris Health (Hospital District) - 0.155%
- Lone Star / HCC Community College - 0.100%
- Harris County Flood Control - 0.031%
- MUD (Municipal Utility District) - 0.900% (condition: property is inside a Municipal Utility District)
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)
- Harris County Homestead - 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.
2026 Loan Limits in Harris County, Texas
In Harris County, Texas, the 2026 FHFA conforming loan limit for a one-unit home is $832,750. The approximated FHA one-unit limit is $541,288. The national baseline is $832,750.
| Units | Conforming (FHFA) | FHA (approx.) |
|---|---|---|
| 1-unit (single-family) | $832,750 | $541,288 |
| 2-unit | $1,066,250 | $693,109 |
| 3-unit | $1,288,800 | $837,721 |
| 4-unit | $1,601,750 | $1,040,976 |
National baseline (1-unit): $832,750
Source: FHFA conforming loan limits 2026 · Snapshot verified · Methodology & CSV
2025 Local Home-Purchase Mortgage Market in Harris County, Texas
Local home-purchase mortgage market context for Harris County, Texas: in 2025 Home Mortgage Disclosure Act (HMDA) data, Harris County logged 69,175 final-action applications. The mortgage denial rate was 13.90% and the originated share was 62.81%.
| Metric | Harris County | State |
|---|---|---|
| Final-action applications | 69,175 | 578,009 |
| Mortgage denial rate | 13.90% | 14.46% |
| Originated share | 62.81% | 61.83% |
Source: FFIEC HMDA (modified LAR, home purchase) 2025 · Snapshot verified · Texas vs California mortgage denial rates (methodology)
ACS 2019-2023 Housing Costs in Harris County, Texas
In ACS 2023 (2019-2023), the median home value in Harris County, Texas is $255,000; the median effective property tax rate (taxes ÷ value) is 1.72%; the median price-to-income ratio is 3.5×; 28.9% of owners with a mortgage pay ≥30% of income on housing.
| Metric | Harris County |
|---|---|
| Median home value | $255,000 |
| Median real estate taxes | $4,382 |
| Median household income | $73,104 |
| Median monthly owner costs (w/ mortgage) | $2,037 |
| Median effective tax rate (tax ÷ value) | 1.72% |
| Price-to-income ratio | 3.5× |
| Cost burden ≥30% (with mortgage) | 28.9% |
Source: U.S. Census Bureau ACS 5-year 2023 · Snapshot verified
Home Prices & Fair Market Rent in Harris County, Texas
The FHFA house price index (2024) shows compound annual appreciation of +1.2%/yr (1-year), +5.5%/yr (5-year), and +6.2%/yr (10-year) in Harris County, Texas (index 298.1). The HUD FY2026 two-bedroom Fair Market Rent for this area is $1,412/month (Houston-The Woodlands-Sugar Land, TX MSA).
| Metric | Harris County |
|---|---|
| 1-year appreciation | +1.2%/yr |
| 5-year appreciation (CAGR) | +5.5%/yr |
| 10-year appreciation (CAGR) | +6.2%/yr |
| HUD 2-bedroom FMR | $1,412/mo |
Source: FHFA House Price Index 2024 · Snapshot verified
Source: HUD Fair Market Rents 2026 · Snapshot verified
Flood Insurance (NFIP) in Harris County, Texas
In Harris County, Texas, FEMA's National Flood Insurance Program (NFIP) reports roughly 12,400 in-force policies with a median annual premium of $892. This is market context, not a Risk Rating 2.0 quote.
| Metric | Harris County |
|---|---|
| NFIP policies (approx.) | 12,400 |
| Median annual premium | $892 |
| Flood risk (summary) | High |
| Hurricane risk (summary) | High |
| Wildfire risk (summary) | Relatively Low |
Source: FEMA National Flood Insurance Program (NFIP) 2024 · Snapshot verified
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 |
|---|---|---|---|
| Harris County (this page) | 2.72% | $906 | $3,028 |
| 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: May 3, 2026. This page combines the official data layers configured for Harris 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, Harris County Tax Office. 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.
- Harris County Tax Office - verified May 3, 2026 - Official local tax office source for Harris County property-tax context.
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.
Do I pay MUD taxes in Harris County?
Only if your home is inside a Municipal Utility District. MUD rates commonly add 0.5-1.2% on top of other property taxes and typically phase out as the district's bonds are repaid. 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 Harris County mortgage calculator use?
Harris County uses a local planning benchmark of about 0.68% on this page. On a $400,000 home that is roughly $2,708 per year or $226 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 Harris County PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.68% property tax, monthly escrow is about $226; with $100 insurance, estimated PITI is about $2,349 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.
Does Harris County include ISD school taxes in the headline rate?
County pages often show county and special-district layers near 0.68% before the full ISD stack, which is frequently the largest Texas tax piece. Add your school district rate for a fuller escrow estimate, and compare neighboring Texas counties on the same price.