Dallas vs Houston: Mortgage Cost Comparison
Thinking about buying in Dallas or Houston? Here's a side-by-side comparison of mortgage costs in both cities.
$2,716
Dallas PITI
$2,350
Houston PITI
$366/mo
Difference
$2,716.06
? Monthly payment PITI with taxes & insurance included
$1,358.03
? Bi-weekly payment PITI if paid every other week
March 2056
December 2052
$372,429.91
$297,006.33
$587.08
$283.33
| Payment | Interest | Principal | Balance |
|---|
| April 2026 | $1,582 | $264 | $291,736 |
| May 2026 | $1,580 | $265 | $291,471 |
| June 2026 | $1,579 | $267 | $291,204 |
| July 2026 | $1,577 | $268 | $290,936 |
| August 2026 | $1,576 | $270 | $290,666 |
| September 2026 | $1,574 | $271 | $290,395 |
| October 2026 | $1,573 | $273 | $290,122 |
| November 2026 | $1,571 | $274 | $289,848 |
| December 2026 | $1,570 | $276 | $289,572 |
| 2026 | $15,751 | $2,705 | $289,295 |
| January 2027 | $1,569 | $277 | $289,295 |
| February 2027 | $1,567 | $279 | $289,016 |
| March 2027 | $1,566 | $280 | $288,736 |
| April 2027 | $1,564 | $282 | $288,455 |
| May 2027 | $1,562 | $283 | $288,171 |
| June 2027 | $1,561 | $285 | $287,887 |
| July 2027 | $1,559 | $286 | $287,600 |
| August 2027 | $1,558 | $288 | $287,313 |
| September 2027 | $1,556 | $289 | $287,023 |
| October 2027 | $1,555 | $291 | $286,732 |
| November 2027 | $1,553 | $293 | $286,440 |
| December 2027 | $1,552 | $294 | $286,146 |
| 2027 | $18,703 | $3,445 | $285,850 |
| January 2028 | $1,550 | $296 | $285,850 |
| February 2028 | $1,548 | $297 | $285,553 |
| March 2028 | $1,547 | $299 | $285,254 |
| April 2028 | $1,545 | $301 | $284,953 |
| May 2028 | $1,543 | $302 | $284,651 |
| June 2028 | $1,542 | $304 | $284,347 |
| July 2028 | $1,540 | $305 | $284,042 |
| August 2028 | $1,539 | $307 | $283,735 |
| September 2028 | $1,537 | $309 | $283,426 |
| October 2028 | $1,535 | $310 | $283,116 |
| November 2028 | $1,534 | $312 | $282,804 |
| December 2028 | $1,532 | $314 | $282,490 |
| 2028 | $18,472 | $3,676 | $282,174 |
| January 2029 | $1,530 | $315 | $282,174 |
| February 2029 | $1,528 | $317 | $281,857 |
| March 2029 | $1,527 | $319 | $281,538 |
| April 2029 | $1,525 | $321 | $281,218 |
| May 2029 | $1,523 | $322 | $280,895 |
| June 2029 | $1,522 | $324 | $280,571 |
| July 2029 | $1,520 | $326 | $280,245 |
| August 2029 | $1,518 | $328 | $279,918 |
| September 2029 | $1,516 | $329 | $279,588 |
| October 2029 | $1,514 | $331 | $279,257 |
| November 2029 | $1,513 | $333 | $278,924 |
| December 2029 | $1,511 | $335 | $278,589 |
| 2029 | $18,226 | $3,922 | $278,253 |
| January 2030 | $1,509 | $337 | $278,253 |
| February 2030 | $1,507 | $338 | $277,914 |
| March 2030 | $1,505 | $340 | $277,574 |
| April 2030 | $1,504 | $342 | $277,232 |
| May 2030 | $1,502 | $344 | $276,888 |
| June 2030 | $1,500 | $346 | $276,542 |
| July 2030 | $1,498 | $348 | $276,194 |
| August 2030 | $1,496 | $350 | $275,845 |
| September 2030 | $1,494 | $351 | $275,493 |
| October 2030 | $1,492 | $353 | $275,140 |
| November 2030 | $1,490 | $355 | $274,785 |
| December 2030 | $1,488 | $357 | $274,427 |
| 2030 | $17,963 | $4,184 | $274,068 |
| January 2031 | $1,486 | $359 | $274,068 |
| February 2031 | $1,485 | $361 | $273,707 |
| March 2031 | $1,483 | $363 | $273,344 |
| April 2031 | $1,481 | $365 | $272,979 |
| May 2031 | $1,479 | $367 | $272,612 |
| June 2031 | $1,477 | $369 | $272,243 |
| July 2031 | $1,475 | $371 | $271,872 |
| August 2031 | $1,473 | $373 | $271,499 |
| September 2031 | $1,471 | $375 | $271,124 |
| October 2031 | $1,469 | $377 | $270,747 |
| November 2031 | $1,467 | $379 | $270,368 |
| December 2031 | $1,464 | $381 | $269,987 |
| 2031 | $17,683 | $4,465 | $269,604 |
| January 2032 | $1,462 | $383 | $269,604 |
| February 2032 | $1,460 | $385 | $269,218 |
| March 2032 | $1,458 | $387 | $268,831 |
| April 2032 | $1,456 | $389 | $268,441 |
| May 2032 | $1,454 | $392 | $268,050 |
| June 2032 | $1,452 | $394 | $267,656 |
| July 2032 | $1,450 | $396 | $267,260 |
| August 2032 | $1,448 | $398 | $266,862 |
| September 2032 | $1,446 | $400 | $266,462 |
| October 2032 | $1,443 | $402 | $266,060 |
| November 2032 | $1,441 | $404 | $265,655 |
| December 2032 | $1,439 | $407 | $265,249 |
| 2032 | $17,384 | $4,764 | $264,840 |
| January 2033 | $1,437 | $409 | $264,840 |
| February 2033 | $1,435 | $411 | $264,429 |
| March 2033 | $1,432 | $413 | $264,015 |
| April 2033 | $1,430 | $416 | $263,600 |
| May 2033 | $1,428 | $418 | $263,182 |
| June 2033 | $1,426 | $420 | $262,762 |
| July 2033 | $1,423 | $422 | $262,340 |
| August 2033 | $1,421 | $425 | $261,915 |
| September 2033 | $1,419 | $427 | $261,488 |
| October 2033 | $1,416 | $429 | $261,059 |
| November 2033 | $1,414 | $432 | $260,627 |
| December 2033 | $1,412 | $434 | $260,193 |
| 2033 | $17,065 | $5,083 | $259,757 |
| January 2034 | $1,409 | $436 | $259,757 |
| February 2034 | $1,407 | $439 | $259,318 |
| March 2034 | $1,405 | $441 | $258,877 |
| April 2034 | $1,402 | $443 | $258,434 |
| May 2034 | $1,400 | $446 | $257,988 |
| June 2034 | $1,397 | $448 | $257,540 |
| July 2034 | $1,395 | $451 | $257,089 |
| August 2034 | $1,393 | $453 | $256,636 |
| September 2034 | $1,390 | $456 | $256,181 |
| October 2034 | $1,388 | $458 | $255,723 |
| November 2034 | $1,385 | $460 | $255,262 |
| December 2034 | $1,383 | $463 | $254,799 |
| 2034 | $16,725 | $5,423 | $254,334 |
| January 2035 | $1,380 | $465 | $254,334 |
| February 2035 | $1,378 | $468 | $253,866 |
| March 2035 | $1,375 | $471 | $253,395 |
| April 2035 | $1,373 | $473 | $252,922 |
| May 2035 | $1,370 | $476 | $252,447 |
| June 2035 | $1,367 | $478 | $251,969 |
| July 2035 | $1,365 | $481 | $251,488 |
| August 2035 | $1,362 | $483 | $251,004 |
| September 2035 | $1,360 | $486 | $250,518 |
| October 2035 | $1,357 | $489 | $250,030 |
| November 2035 | $1,354 | $491 | $249,538 |
| December 2035 | $1,352 | $494 | $249,044 |
| 2035 | $16,361 | $5,786 | $248,548 |
| January 2036 | $1,349 | $497 | $248,548 |
| February 2036 | $1,346 | $499 | $248,048 |
| March 2036 | $1,344 | $502 | $247,546 |
| April 2036 | $1,341 | $505 | $247,042 |
| May 2036 | $1,338 | $507 | $246,534 |
| June 2036 | $1,335 | $510 | $246,024 |
| July 2036 | $1,333 | $513 | $245,511 |
| August 2036 | $1,330 | $516 | $244,995 |
| September 2036 | $1,327 | $519 | $244,476 |
| October 2036 | $1,324 | $521 | $243,955 |
| November 2036 | $1,321 | $524 | $243,431 |
| December 2036 | $1,319 | $527 | $242,904 |
| 2036 | $15,974 | $6,174 | $242,374 |
| January 2037 | $1,316 | $530 | $242,374 |
| February 2037 | $1,313 | $533 | $241,841 |
| March 2037 | $1,310 | $536 | $241,305 |
| April 2037 | $1,307 | $539 | $240,767 |
| May 2037 | $1,304 | $541 | $240,225 |
| June 2037 | $1,301 | $544 | $239,681 |
| July 2037 | $1,298 | $547 | $239,134 |
| August 2037 | $1,295 | $550 | $238,583 |
| September 2037 | $1,292 | $553 | $238,030 |
| October 2037 | $1,289 | $556 | $237,474 |
| November 2037 | $1,286 | $559 | $236,914 |
| December 2037 | $1,283 | $562 | $236,352 |
| 2037 | $15,560 | $6,587 | $235,787 |
| January 2038 | $1,280 | $565 | $235,787 |
| February 2038 | $1,277 | $568 | $235,218 |
| March 2038 | $1,274 | $572 | $234,647 |
| April 2038 | $1,271 | $575 | $234,072 |
| May 2038 | $1,268 | $578 | $233,494 |
| June 2038 | $1,265 | $581 | $232,913 |
| July 2038 | $1,262 | $584 | $232,329 |
| August 2038 | $1,258 | $587 | $231,742 |
| September 2038 | $1,255 | $590 | $231,152 |
| October 2038 | $1,252 | $594 | $230,558 |
| November 2038 | $1,249 | $597 | $229,961 |
| December 2038 | $1,246 | $600 | $229,361 |
| 2038 | $15,119 | $7,028 | $228,758 |
| January 2039 | $1,242 | $603 | $228,758 |
| February 2039 | $1,239 | $607 | $228,152 |
| March 2039 | $1,236 | $610 | $227,542 |
| April 2039 | $1,233 | $613 | $226,929 |
| May 2039 | $1,229 | $616 | $226,312 |
| June 2039 | $1,226 | $620 | $225,692 |
| July 2039 | $1,223 | $623 | $225,069 |
| August 2039 | $1,219 | $627 | $224,443 |
| September 2039 | $1,216 | $630 | $223,813 |
| October 2039 | $1,212 | $633 | $223,179 |
| November 2039 | $1,209 | $637 | $222,543 |
| December 2039 | $1,205 | $640 | $221,903 |
| 2039 | $14,648 | $7,499 | $221,259 |
| January 2040 | $1,202 | $644 | $221,259 |
| February 2040 | $1,198 | $647 | $220,612 |
| March 2040 | $1,195 | $651 | $219,961 |
| April 2040 | $1,191 | $654 | $219,307 |
| May 2040 | $1,188 | $658 | $218,649 |
| June 2040 | $1,184 | $661 | $217,988 |
| July 2040 | $1,181 | $665 | $217,323 |
| August 2040 | $1,177 | $668 | $216,654 |
| September 2040 | $1,174 | $672 | $215,982 |
| October 2040 | $1,170 | $676 | $215,307 |
| November 2040 | $1,166 | $679 | $214,627 |
| December 2040 | $1,163 | $683 | $213,944 |
| 2040 | $14,146 | $8,001 | $213,257 |
| January 2041 | $1,159 | $687 | $213,257 |
| February 2041 | $1,155 | $690 | $212,567 |
| March 2041 | $1,151 | $694 | $211,873 |
| April 2041 | $1,148 | $698 | $211,175 |
| May 2041 | $1,144 | $702 | $210,473 |
| June 2041 | $1,140 | $706 | $209,767 |
| July 2041 | $1,136 | $709 | $209,058 |
| August 2041 | $1,132 | $713 | $208,345 |
| September 2041 | $1,129 | $717 | $207,628 |
| October 2041 | $1,125 | $721 | $206,907 |
| November 2041 | $1,121 | $725 | $206,182 |
| December 2041 | $1,117 | $729 | $205,453 |
| 2041 | $13,610 | $8,537 | $204,720 |
| January 2042 | $1,113 | $733 | $204,720 |
| February 2042 | $1,109 | $737 | $203,983 |
| March 2042 | $1,105 | $741 | $203,243 |
| April 2042 | $1,101 | $745 | $202,498 |
| May 2042 | $1,097 | $749 | $201,749 |
| June 2042 | $1,093 | $753 | $200,996 |
| July 2042 | $1,089 | $757 | $200,239 |
| August 2042 | $1,085 | $761 | $199,478 |
| September 2042 | $1,081 | $765 | $198,713 |
| October 2042 | $1,076 | $769 | $197,944 |
| November 2042 | $1,072 | $773 | $197,171 |
| December 2042 | $1,068 | $778 | $196,393 |
| 2042 | $13,039 | $9,109 | $195,611 |
| January 2043 | $1,064 | $782 | $195,611 |
| February 2043 | $1,060 | $786 | $194,825 |
| March 2043 | $1,055 | $790 | $194,035 |
| April 2043 | $1,051 | $795 | $193,240 |
| May 2043 | $1,047 | $799 | $192,441 |
| June 2043 | $1,042 | $803 | $191,638 |
| July 2043 | $1,038 | $808 | $190,830 |
| August 2043 | $1,034 | $812 | $190,018 |
| September 2043 | $1,029 | $816 | $189,202 |
| October 2043 | $1,025 | $821 | $188,381 |
| November 2043 | $1,020 | $825 | $187,556 |
| December 2043 | $1,016 | $830 | $186,726 |
| 2043 | $12,429 | $9,719 | $185,892 |
| January 2044 | $1,011 | $834 | $185,892 |
| February 2044 | $1,007 | $839 | $185,053 |
| March 2044 | $1,002 | $843 | $184,210 |
| April 2044 | $998 | $848 | $183,362 |
| May 2044 | $993 | $852 | $182,510 |
| June 2044 | $989 | $857 | $181,653 |
| July 2044 | $984 | $862 | $180,791 |
| August 2044 | $979 | $866 | $179,925 |
| September 2044 | $975 | $871 | $179,054 |
| October 2044 | $970 | $876 | $178,178 |
| November 2044 | $965 | $881 | $177,297 |
| December 2044 | $960 | $885 | $176,412 |
| 2044 | $11,778 | $10,370 | $175,522 |
| January 2045 | $956 | $890 | $175,522 |
| February 2045 | $951 | $895 | $174,627 |
| March 2045 | $946 | $900 | $173,727 |
| April 2045 | $941 | $905 | $172,823 |
| May 2045 | $936 | $910 | $171,913 |
| June 2045 | $931 | $914 | $170,999 |
| July 2045 | $926 | $919 | $170,079 |
| August 2045 | $921 | $924 | $169,155 |
| September 2045 | $916 | $929 | $168,226 |
| October 2045 | $911 | $934 | $167,291 |
| November 2045 | $906 | $939 | $166,352 |
| December 2045 | $901 | $945 | $165,407 |
| 2045 | $11,083 | $11,065 | $164,457 |
| January 2046 | $896 | $950 | $164,457 |
| February 2046 | $891 | $955 | $163,503 |
| March 2046 | $886 | $960 | $162,543 |
| April 2046 | $880 | $965 | $161,577 |
| May 2046 | $875 | $970 | $160,607 |
| June 2046 | $870 | $976 | $159,631 |
| July 2046 | $865 | $981 | $158,650 |
| August 2046 | $859 | $986 | $157,664 |
| September 2046 | $854 | $992 | $156,672 |
| October 2046 | $849 | $997 | $155,675 |
| November 2046 | $843 | $1,002 | $154,673 |
| December 2046 | $838 | $1,008 | $153,665 |
| 2046 | $10,342 | $11,806 | $152,652 |
| January 2047 | $832 | $1,013 | $152,652 |
| February 2047 | $827 | $1,019 | $151,633 |
| March 2047 | $821 | $1,024 | $150,609 |
| April 2047 | $816 | $1,030 | $149,579 |
| May 2047 | $810 | $1,035 | $148,544 |
| June 2047 | $805 | $1,041 | $147,503 |
| July 2047 | $799 | $1,047 | $146,456 |
| August 2047 | $793 | $1,052 | $145,404 |
| September 2047 | $788 | $1,058 | $144,346 |
| October 2047 | $782 | $1,064 | $143,282 |
| November 2047 | $776 | $1,070 | $142,212 |
| December 2047 | $770 | $1,075 | $141,137 |
| 2047 | $9,552 | $12,596 | $140,056 |
| January 2048 | $764 | $1,081 | $140,056 |
| February 2048 | $759 | $1,087 | $138,969 |
| March 2048 | $753 | $1,093 | $137,876 |
| April 2048 | $747 | $1,099 | $136,777 |
| May 2048 | $741 | $1,105 | $135,672 |
| June 2048 | $735 | $1,111 | $134,562 |
| July 2048 | $729 | $1,117 | $133,445 |
| August 2048 | $723 | $1,123 | $132,322 |
| September 2048 | $717 | $1,129 | $131,193 |
| October 2048 | $711 | $1,135 | $130,058 |
| November 2048 | $704 | $1,141 | $128,917 |
| December 2048 | $698 | $1,147 | $127,770 |
| 2048 | $8,708 | $13,440 | $126,616 |
| January 2049 | $692 | $1,154 | $126,616 |
| February 2049 | $686 | $1,160 | $125,456 |
| March 2049 | $680 | $1,166 | $124,290 |
| April 2049 | $673 | $1,172 | $123,118 |
| May 2049 | $667 | $1,179 | $121,939 |
| June 2049 | $661 | $1,185 | $120,754 |
| July 2049 | $654 | $1,192 | $119,562 |
| August 2049 | $648 | $1,198 | $118,364 |
| September 2049 | $641 | $1,204 | $117,160 |
| October 2049 | $635 | $1,211 | $115,949 |
| November 2049 | $628 | $1,218 | $114,731 |
| December 2049 | $621 | $1,224 | $113,507 |
| 2049 | $7,808 | $14,340 | $112,276 |
| January 2050 | $615 | $1,231 | $112,276 |
| February 2050 | $608 | $1,237 | $111,039 |
| March 2050 | $601 | $1,244 | $109,795 |
| April 2050 | $595 | $1,251 | $108,544 |
| May 2050 | $588 | $1,258 | $107,286 |
| June 2050 | $581 | $1,265 | $106,021 |
| July 2050 | $574 | $1,271 | $104,750 |
| August 2050 | $567 | $1,278 | $103,472 |
| September 2050 | $560 | $1,285 | $102,187 |
| October 2050 | $554 | $1,292 | $100,895 |
| November 2050 | $547 | $1,299 | $99,595 |
| December 2050 | $539 | $1,306 | $98,289 |
| 2050 | $6,847 | $15,300 | $96,976 |
| January 2051 | $532 | $1,313 | $96,976 |
| February 2051 | $525 | $1,320 | $95,656 |
| March 2051 | $518 | $1,328 | $94,328 |
| April 2051 | $511 | $1,335 | $92,993 |
| May 2051 | $504 | $1,342 | $91,652 |
| June 2051 | $496 | $1,349 | $90,302 |
| July 2051 | $489 | $1,357 | $88,946 |
| August 2051 | $482 | $1,364 | $87,582 |
| September 2051 | $474 | $1,371 | $86,211 |
| October 2051 | $467 | $1,379 | $84,832 |
| November 2051 | $460 | $1,386 | $83,446 |
| December 2051 | $452 | $1,394 | $82,052 |
| 2051 | $5,823 | $16,325 | $80,651 |
| January 2052 | $444 | $1,401 | $80,651 |
| February 2052 | $437 | $1,409 | $79,242 |
| March 2052 | $429 | $1,416 | $77,826 |
| April 2052 | $422 | $1,424 | $76,402 |
| May 2052 | $414 | $1,432 | $74,970 |
| June 2052 | $406 | $1,440 | $73,531 |
| July 2052 | $398 | $1,447 | $72,083 |
| August 2052 | $390 | $1,455 | $70,628 |
| September 2052 | $383 | $1,463 | $69,165 |
| October 2052 | $375 | $1,471 | $67,694 |
| November 2052 | $367 | $1,479 | $66,215 |
| December 2052 | $359 | $1,487 | $64,728 |
| 2052 | $4,729 | $17,418 | $63,233 |
| January 2053 | $351 | $1,495 | $63,233 |
| February 2053 | $343 | $1,503 | $61,730 |
| March 2053 | $334 | $1,511 | $60,219 |
| April 2053 | $326 | $1,519 | $58,699 |
| May 2053 | $318 | $1,528 | $57,171 |
| June 2053 | $310 | $1,536 | $55,635 |
| July 2053 | $301 | $1,544 | $54,091 |
| August 2053 | $293 | $1,553 | $52,539 |
| September 2053 | $285 | $1,561 | $50,977 |
| October 2053 | $276 | $1,570 | $49,408 |
| November 2053 | $268 | $1,578 | $47,830 |
| December 2053 | $259 | $1,587 | $46,243 |
| 2053 | $3,563 | $18,585 | $44,648 |
| January 2054 | $250 | $1,595 | $44,648 |
| February 2054 | $242 | $1,604 | $43,044 |
| March 2054 | $233 | $1,612 | $41,432 |
| April 2054 | $224 | $1,621 | $39,811 |
| May 2054 | $216 | $1,630 | $38,181 |
| June 2054 | $207 | $1,639 | $36,542 |
| July 2054 | $198 | $1,648 | $34,894 |
| August 2054 | $189 | $1,657 | $33,238 |
| September 2054 | $180 | $1,666 | $31,572 |
| October 2054 | $171 | $1,675 | $29,897 |
| November 2054 | $162 | $1,684 | $28,214 |
| December 2054 | $153 | $1,693 | $26,521 |
| 2054 | $2,318 | $19,829 | $24,819 |
| January 2055 | $144 | $1,702 | $24,819 |
| February 2055 | $134 | $1,711 | $23,108 |
| March 2055 | $125 | $1,720 | $21,387 |
| April 2055 | $116 | $1,730 | $19,657 |
| May 2055 | $106 | $1,739 | $17,918 |
| June 2055 | $97 | $1,749 | $16,170 |
| July 2055 | $88 | $1,758 | $14,412 |
| August 2055 | $78 | $1,768 | $12,644 |
| September 2055 | $68 | $1,777 | $10,867 |
| October 2055 | $59 | $1,787 | $9,080 |
| November 2055 | $49 | $1,796 | $7,284 |
| December 2055 | $39 | $1,806 | $5,477 |
| 2055 | $990 | $21,157 | $3,662 |
| January 2056 | $30 | $1,816 | $3,662 |
| February 2056 | $20 | $1,826 | $1,836 |
| March 2056 | $10 | $1,836 | $0 |
| 2056 | $30 | $3,662 | $0 |
Dallas vs Houston: Full Mortgage Comparison
Buying a home in Houston is $366/month cheaper based on average home prices and local costs.
| Dallas, TX | Houston, TX | |
|---|---|---|
| Avg. Home Price | $365,000 | $310,000 |
| Down Payment (20%) | $73,000 | $62,000 |
| Loan Amount | $292,000 | $248,000 |
| Property Tax Rate | 1.93% | 1.9% |
| Annual Property Tax | $7,045 | $5,890 |
| Annual Insurance | $3,400 | $3,500 |
| Monthly P&I | $1,846 | $1,568 |
| Monthly PITI | $2,716 | $2,350 |
| Total Interest (30yr) | $372,430 | $316,310 |
What Drives the Difference?
Home prices are the biggest factor — Dallas’s average home costs $55,000 more than Houston’s.
Property taxes also favor Houston — Dallas’s 1.93% rate is higher than Houston’s 1.9%.
Insurance is $100/year more in Houston.
Income Needed to Buy
Using the 28% rule (PITI under 28% of gross income):
| Dallas | Houston | |
|---|---|---|
| Monthly PITI | $2,716 | $2,350 |
| Income needed | $116,402 | $100,716 |
Try Your Own Numbers
The calculator above is pre-filled with Dallas’s averages. Adjust the values to match your situation, or try the Houston calculator for Houston-specific numbers.