Tarrant County Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Tarrant County (Fort Worth) has one of the lowest county tax rates among major Texas counties at $0.186200 per $100. Combined property tax in Tarrant County typically totals 1.9-2.2% depending on city and school district.
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 · $251 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
- Tarrant Appraisal District — 2025 Tax Rates
- Tarrant County Tax Office — Rates & Exemptions
Tarrant County Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Texas
Tarrant County (Fort Worth) has one of the lowest county tax rates among major Texas counties at $0.186200 per $100. Combined property tax in Tarrant County typically totals 1.9-2.2% depending on city and school district.
Use this mortgage calculator for Tarrant 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: 1.44%
- Configured benefits or exemptions: 10
- Reviewed sources: 7
What Changes in Tarrant County, Texas
- Data level used: county. This page uses the most specific available data layer for Tarrant County, Texas.
- Configured combined annual property tax rate: 1.44% 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%
- Tarrant County College — 0.112%
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)
- Tarrant County Homestead Exemption — 20% (requires: primary residence)
- Tarrant County Over-65 Exemption — $50,000 (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 Tarrant 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, Tarrant Appraisal District — 2025 Tax Rates, Tarrant County Tax Office — Rates & Exemptions. 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.
- Tarrant Appraisal District — 2025 Tax Rates — verified June 3, 2026 — Official source for Tarrant County adopted tax rate of $0.186200 per $100 and exemption information.
- Tarrant County Tax Office — Rates & Exemptions — verified June 3, 2026 — Official Tarrant County tax portal for current rates and exemption details.
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 Tarrant County property tax rate?
Tarrant County adopted a rate of $0.186200 per $100 valuation for 2025, one of the lowest county rates among Texas's largest counties.
What homestead exemptions does Tarrant County offer?
Tarrant County offers a 20% homestead exemption (minimum $5,000) and a $50,000 over-65 exemption. The City of Fort Worth offers its own 20% homestead exemption plus an $80,000 over-65 exemption.
How does Tarrant County's tax rate compare to Dallas County?
Tarrant County's rate of $0.186200 per $100 is actually lower than Dallas County's $0.215500. Combined with no hospital district, Tarrant County homeowners typically see total rates of 1.9-2.2%, while Dallas County averages 2.1-2.4%. Fort Worth and Dallas city rates are similar at around $0.67 per $100.
What makes up my total property tax bill in Tarrant County?
Your Tarrant County tax bill includes the county rate ($0.186200), Tarrant County College ($0.11228), your school district (typically $1.15-1.30), and your city (e.g., Fort Worth at $0.6725). Unlike Dallas County, Tarrant has no hospital district, which keeps rates competitive.