Houston, Texas Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Houston adds a city property-tax layer on top of Harris County and ISD levies — use this as a Houston property tax calculator and full PITI mortgage estimator. The tool reads the configured city tax rate and homestead exemption from local tax data, then applies Homebuyer Assistance Program eligibility from the buyer profile.
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 · $427 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.
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
- Harris County Tax Office
- City of Houston tax rate information
- Houston Code of Ordinances, Section 44-4
- City of Houston Homebuyer Assistance Program
Houston, Texas Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Texas · Harris County
Houston adds a city property-tax layer on top of Harris County and ISD levies — use this as a Houston property tax calculator and full PITI mortgage estimator. The tool reads the configured city tax rate and homestead exemption from local tax data, then applies Homebuyer Assistance Program eligibility from the buyer profile.
Use this mortgage calculator for Houston, 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: city
- Configured property tax rate: 3.24%
- Configured benefits or exemptions: 11
- Reviewed sources: 9
What Changes in Houston, Texas
- Data level used: city. This page uses the most specific available data layer for Houston, Texas.
- Configured combined annual property tax rate: 3.24% 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, Houston Homebuyer 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.
- 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)
- City of Houston Property Tax — 0.519%
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)
- Houston City 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)
- Houston Homebuyer Assistance — $50,000 (requires: first-time buyer, primary residence, income is below the program cap, property is inside Houston city limits)
- 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 Harris County, Texas
Local home-purchase mortgage market context for Harris County, Texas: in 2025 Home Mortgage Disclosure Act (HMDA) data, Harris County logged 68,932 final-action applications. The mortgage denial rate was 13.95% and the originated share was 62.81%.
These figures reflect the county market, not the city alone.
| Metric | Harris County | State |
|---|---|---|
| Final-action applications | 68,932 | 576,435 |
| Mortgage denial rate | 13.95% | 14.50% |
| Originated share | 62.81% | 61.81% |
HMDA data shows aggregated market outcomes, not an individual buyer's approval odds. The modified LAR applies privacy rules; use these figures as context, not a prediction.
Source: FFIEC HMDA 2025 (LAR modificado, compra de vivienda) · Texas vs California mortgage denial rates (methodology)
Local Data and Sources
Last editorial verification: May 3, 2026. This page combines the official data layers configured for Houston, 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, City of Houston tax rate information, Houston Code of Ordinances, Section 44-4, City of Houston Homebuyer Assistance Program. 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.
- City of Houston tax rate information — verified May 3, 2026 — Official source for Houston's 2025 city property-tax rate: $0.519190 per $100 of taxable value.
- Houston Code of Ordinances, Section 44-4 — verified May 3, 2026 — Official source for Houston's city residence homestead exemption percentage.
- City of Houston Homebuyer Assistance Program — verified May 3, 2026 — Official source for Houston homebuyer assistance rules and program status.
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.
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.
Does Houston offer down payment assistance?
Yes. Houston's Homebuyer Assistance Program offers up to $50,000 for income-qualified first-time buyers purchasing inside city limits.