Williamson County, Texas Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Williamson County (Round Rock / Georgetown) adopted a tax rate of $0.413776 per $100 for 2025, a 3.44% increase from the prior year. Combined property tax typically totals 1.6-1.8%. The county offers a 5% ($5,000 minimum) homestead exemption and a $125,000 over-65 exemption. On a $400,000 Williamson County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; property tax escrow at ~0.41% is about $138/mo, for estimated PITI near $2,261 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 · $282 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
- Williamson County - Budget & Tax Rate Info
- Williamson County - 2025 Tax Rates & Exemptions
Williamson County, Texas Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance
Texas
Williamson County (Round Rock / Georgetown) adopted a tax rate of $0.413776 per $100 for 2025, a 3.44% increase from the prior year. Combined property tax typically totals 1.6-1.8%. The county offers a 5% ($5,000 minimum) homestead exemption and a $125,000 over-65 exemption. On a $400,000 Williamson County example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; property tax escrow at ~0.41% is about $138/mo, for estimated PITI near $2,261 before PMI.
Use this mortgage calculator for Williamson 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: 1.55%
- Configured benefits or exemptions: 10
- Reviewed sources: 7
What Changes in Williamson County, Texas
- Data level used: county. This page uses the most specific available data layer for Williamson County, Texas.
- Configured combined annual property tax rate: 1.55% 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 - 0.414%
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)
- Williamson County Homestead Exemption - 5% (requires: primary residence)
- Williamson County Over-65 Exemption - $125,000 (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.
2025 Local Home-Purchase Mortgage Market in Williamson County, Texas
Local home-purchase mortgage market context for Williamson County, Texas: in 2025 Home Mortgage Disclosure Act (HMDA) data, Williamson County logged 16,321 final-action applications. The mortgage denial rate was 8.01% and the originated share was 70.70%.
| Metric | Williamson County | State |
|---|---|---|
| Final-action applications | 16,321 | 576,435 |
| Mortgage denial rate | 8.01% | 14.50% |
| Originated share | 70.70% | 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 |
|---|---|---|---|
| Williamson County (this page) | 1.55% | $518 | $2,641 |
| 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 Williamson 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, Williamson County - Budget & Tax Rate Info, Williamson County - 2025 Tax 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.
- Williamson County - Budget & Tax Rate Info - verified June 3, 2026 - Official source for Williamson County adopted tax rate of $0.413776 per $100 for 2025.
- Williamson County - 2025 Tax Rates & Exemptions - verified June 3, 2026 - Official source for Williamson County tax rates and exemption information.
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 Williamson County property tax rate?
Williamson County adopted a rate of $0.413776 per $100 for 2025, up 3.44% from $0.399999 in 2024. This was the voter-approval rate. 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 homestead exemptions does Williamson County offer?
Williamson County offers a 5% homestead exemption (minimum $5,000) and a $125,000 exemption for homeowners 65+ or disabled - one of the most generous senior exemptions in Texas. 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.
Is Williamson County affordable for retirees with the senior exemption?
Yes - Williamson County's $125,000 over-65 exemption is one of the most generous in Texas. Combined with the $100,000 ISD exemption and the 10% appraisal cap, a retiree in a $350,000 home could see taxable value reduced by $225,000+, significantly lowering annual property taxes.
Why did Williamson County raise its tax rate?
Williamson County increased its rate from $0.399999 to $0.413776 per $100 for 2025 - a 3.44% increase at the voter-approval rate. The increase funds county services and infrastructure for the rapidly growing population in Georgetown, Round Rock, and Cedar Park areas.
Williamson County vs. Travis County: Which is more affordable?
Williamson County's combined rate of 1.60-1.80% is notably lower than Travis County's 1.90-2.20%. On a $350,000 home, that's a savings of $700-$1,050 per year. Williamson also offers a 5% county homestead exemption vs. Travis County's 20%, but Williamson's $125,000 over-65 exemption is more generous than Travis's $143,220 when factoring in higher Travis home values.
What is a sample Williamson County PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~0.41% property tax, monthly escrow is about $138; with $100 insurance, estimated PITI is about $2,261 without PMI. Adjust price, rate, and down payment above to match your offer.