Houston, Texas Mortgage Calculator - Estimate Your Monthly Payment with Taxes, PMI & Insurance

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.

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.

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.

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.

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.

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.

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.

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.

Yes. This calculator models the City of Houston Homebuyer Assistance Program (HAP) as up to $50,000 in assistance for eligible buyers when program conditions are met. Income limits, purchase-price caps, and counseling requirements change, so treat the modeled amount as a planning estimate and confirm current HAP terms with the city and your lender before counting it in cash to close.

Houston's bill stacks city, Harris County, hospital district, community college, flood control, ISD, and often MUD levies. This page's configured city rate is about 0.519%, and the Harris County layer adds further millage. On $400,000 without MUD, a core combined planning rate near 1.20% implies roughly $399/month in tax escrow; MUDs can push the total much higher.

With 20% down at 6.5% for 30 years, principal and interest are about $2,023. Add roughly $399 tax escrow at a ~1.20% core rate (or more with MUD) plus about $100 insurance for an estimated PITI near $2,522 before PMI. Putting less than 20% down typically adds PMI until you reach about 80% equity.