Mortgage Calculator PITI

Charlotte, NC Mortgage Calculator

Calculate your estimated mortgage payment for a home in Charlotte, NC. Pre-filled with Charlotte's average home price of $380,000, local property tax rate of 0.85%, and typical insurance costs.

$380,000
Avg. Home Price
0.85%
Property Tax Rate
$2,000
Avg. Annual Insurance
-
Est. Monthly Payment (PITI)
$
$
%
Years
$
$
%
Calculate
Reset
$2,357.32
? Monthly payment PITI with taxes & insurance included
$1,178.66
? Bi-weekly payment PITI if paid every other week
March 2056
? The date of the last payment
December 2052
? The date of the last bi-weekly payment
$387,735.24
? Total interest paid
$309,212.07
? Total interest paid if bi-weekly payments made
$269.17
? Monthly property tax paid (included in above PITI payment)
$166.67
? Monthly Home Insurance paid (included in above PITI payment)

PaymentInterestPrincipalBalance
April 2026$1,647$275$303,725
May 2026$1,645$276$303,449
June 2026$1,644$278$303,171
July 2026$1,642$279$302,892
August 2026$1,641$281$302,611
September 2026$1,639$282$302,329
October 2026$1,638$284$302,045
November 2026$1,636$285$301,759
December 2026$1,635$287$301,472
2026$16,399$2,816$301,184
January 2027$1,633$289$301,184
February 2027$1,631$290$300,894
March 2027$1,630$292$300,602
April 2027$1,628$293$300,309
May 2027$1,627$295$300,014
June 2027$1,625$296$299,718
July 2027$1,623$298$299,420
August 2027$1,622$300$299,120
September 2027$1,620$301$298,819
October 2027$1,619$303$298,516
November 2027$1,617$305$298,211
December 2027$1,615$306$297,905
2027$19,471$3,586$297,597
January 2028$1,614$308$297,597
February 2028$1,612$310$297,288
March 2028$1,610$311$296,977
April 2028$1,609$313$296,664
May 2028$1,607$315$296,349
June 2028$1,605$316$296,033
July 2028$1,604$318$295,715
August 2028$1,602$320$295,395
September 2028$1,600$321$295,074
October 2028$1,598$323$294,751
November 2028$1,597$325$294,426
December 2028$1,595$327$294,099
2028$19,231$3,827$293,771
January 2029$1,593$328$293,771
February 2029$1,591$330$293,440
March 2029$1,589$332$293,108
April 2029$1,588$334$292,775
May 2029$1,586$336$292,439
June 2029$1,584$337$292,102
July 2029$1,582$339$291,762
August 2029$1,580$341$291,421
September 2029$1,579$343$291,078
October 2029$1,577$345$290,733
November 2029$1,575$347$290,387
December 2029$1,573$349$290,038
2029$18,975$4,083$289,688
January 2030$1,571$350$289,688
February 2030$1,569$352$289,335
March 2030$1,567$354$288,981
April 2030$1,565$356$288,625
May 2030$1,563$358$288,267
June 2030$1,561$360$287,907
July 2030$1,559$362$287,545
August 2030$1,558$364$287,181
September 2030$1,556$366$286,815
October 2030$1,554$368$286,447
November 2030$1,552$370$286,077
December 2030$1,550$372$285,705
2030$18,701$4,356$285,331
January 2031$1,548$374$285,331
February 2031$1,546$376$284,955
March 2031$1,544$378$284,577
April 2031$1,541$380$284,197
May 2031$1,539$382$283,815
June 2031$1,537$384$283,431
July 2031$1,535$386$283,045
August 2031$1,533$388$282,657
September 2031$1,531$390$282,266
October 2031$1,529$393$281,874
November 2031$1,527$395$281,479
December 2031$1,525$397$281,082
2031$18,410$4,648$280,683
January 2032$1,523$399$280,683
February 2032$1,520$401$280,282
March 2032$1,518$403$279,879
April 2032$1,516$405$279,473
May 2032$1,514$408$279,066
June 2032$1,512$410$278,656
July 2032$1,509$412$278,244
August 2032$1,507$414$277,829
September 2032$1,505$417$277,413
October 2032$1,503$419$276,994
November 2032$1,500$421$276,573
December 2032$1,498$423$276,149
2032$18,098$4,959$275,724
January 2033$1,496$426$275,724
February 2033$1,494$428$275,296
March 2033$1,491$430$274,865
April 2033$1,489$433$274,433
May 2033$1,487$435$273,998
June 2033$1,484$437$273,560
July 2033$1,482$440$273,121
August 2033$1,479$442$272,679
September 2033$1,477$444$272,234
October 2033$1,475$447$271,787
November 2033$1,472$449$271,338
December 2033$1,470$452$270,886
2033$17,766$5,292$270,432
January 2034$1,467$454$270,432
February 2034$1,465$457$269,975
March 2034$1,462$459$269,516
April 2034$1,460$462$269,055
May 2034$1,457$464$268,591
June 2034$1,455$467$268,124
July 2034$1,452$469$267,655
August 2034$1,450$472$267,183
September 2034$1,447$474$266,709
October 2034$1,445$477$266,232
November 2034$1,442$479$265,753
December 2034$1,439$482$265,271
2034$17,412$5,646$264,786
January 2035$1,437$485$264,786
February 2035$1,434$487$264,299
March 2035$1,432$490$263,809
April 2035$1,429$493$263,316
May 2035$1,426$495$262,821
June 2035$1,424$498$262,323
July 2035$1,421$501$261,823
August 2035$1,418$503$261,320
September 2035$1,415$506$260,814
October 2035$1,413$509$260,305
November 2035$1,410$512$259,793
December 2035$1,407$514$259,279
2035$17,034$6,024$258,762
January 2036$1,404$517$258,762
February 2036$1,402$520$258,242
March 2036$1,399$523$257,719
April 2036$1,396$526$257,194
May 2036$1,393$528$256,666
June 2036$1,390$531$256,134
July 2036$1,387$534$255,600
August 2036$1,385$537$255,063
September 2036$1,382$540$254,523
October 2036$1,379$543$253,981
November 2036$1,376$546$253,435
December 2036$1,373$549$252,886
2036$16,630$6,428$252,334
January 2037$1,370$552$252,334
February 2037$1,367$555$251,780
March 2037$1,364$558$251,222
April 2037$1,361$561$250,661
May 2037$1,358$564$250,098
June 2037$1,355$567$249,531
July 2037$1,352$570$248,961
August 2037$1,349$573$248,388
September 2037$1,345$576$247,812
October 2037$1,342$579$247,233
November 2037$1,339$582$246,650
December 2037$1,336$585$246,065
2037$16,200$6,858$245,476
January 2038$1,333$589$245,476
February 2038$1,330$592$244,885
March 2038$1,326$595$244,290
April 2038$1,323$598$243,691
May 2038$1,320$601$243,090
June 2038$1,317$605$242,485
July 2038$1,313$608$241,877
August 2038$1,310$611$241,266
September 2038$1,307$615$240,651
October 2038$1,304$618$240,033
November 2038$1,300$621$239,412
December 2038$1,297$625$238,787
2038$15,741$7,317$238,159
January 2039$1,293$628$238,159
February 2039$1,290$631$237,528
March 2039$1,287$635$236,893
April 2039$1,283$638$236,254
May 2039$1,280$642$235,613
June 2039$1,276$645$234,967
July 2039$1,273$649$234,319
August 2039$1,269$652$233,666
September 2039$1,266$656$233,011
October 2039$1,262$659$232,351
November 2039$1,259$663$231,688
December 2039$1,255$667$231,022
2039$15,250$7,807$230,352
January 2040$1,251$670$230,352
February 2040$1,248$674$229,678
March 2040$1,244$677$229,001
April 2040$1,240$681$228,319
May 2040$1,237$685$227,635
June 2040$1,233$688$226,946
July 2040$1,229$692$226,254
August 2040$1,226$696$225,558
September 2040$1,222$700$224,858
October 2040$1,218$704$224,155
November 2040$1,214$707$223,448
December 2040$1,210$711$222,736
2040$14,728$8,330$222,021
January 2041$1,206$715$222,021
February 2041$1,203$719$221,303
March 2041$1,199$723$220,580
April 2041$1,195$727$219,853
May 2041$1,191$731$219,122
June 2041$1,187$735$218,388
July 2041$1,183$739$217,649
August 2041$1,179$743$216,907
September 2041$1,175$747$216,160
October 2041$1,171$751$215,410
November 2041$1,167$755$214,655
December 2041$1,163$759$213,896
2041$14,170$8,888$213,133
January 2042$1,159$763$213,133
February 2042$1,154$767$212,366
March 2042$1,150$771$211,595
April 2042$1,146$775$210,820
May 2042$1,142$780$210,040
June 2042$1,138$784$209,256
July 2042$1,133$788$208,468
August 2042$1,129$792$207,676
September 2042$1,125$797$206,880
October 2042$1,121$801$206,079
November 2042$1,116$805$205,273
December 2042$1,112$810$204,464
2042$13,574$9,483$203,650
January 2043$1,108$814$203,650
February 2043$1,103$818$202,832
March 2043$1,099$823$202,009
April 2043$1,094$827$201,181
May 2043$1,090$832$200,350
June 2043$1,085$836$199,513
July 2043$1,081$841$198,673
August 2043$1,076$845$197,827
September 2043$1,072$850$196,977
October 2043$1,067$855$196,123
November 2043$1,062$859$195,264
December 2043$1,058$864$194,400
2043$12,939$10,119$193,531
January 2044$1,053$868$193,531
February 2044$1,048$873$192,658
March 2044$1,044$878$191,780
April 2044$1,039$883$190,898
May 2044$1,034$887$190,010
June 2044$1,029$892$189,118
July 2044$1,024$897$188,221
August 2044$1,020$902$187,319
September 2044$1,015$907$186,412
October 2044$1,010$912$185,500
November 2044$1,005$917$184,584
December 2044$1,000$922$183,662
2044$12,262$10,796$182,735
January 2045$995$927$182,735
February 2045$990$932$181,804
March 2045$985$937$180,867
April 2045$980$942$179,925
May 2045$975$947$178,978
June 2045$969$952$178,026
July 2045$964$957$177,069
August 2045$959$962$176,107
September 2045$954$968$175,139
October 2045$949$973$174,166
November 2045$943$978$173,188
December 2045$938$983$172,205
2045$11,539$11,519$171,216
January 2046$933$989$171,216
February 2046$927$994$170,222
March 2046$922$999$169,222
April 2046$917$1,005$168,218
May 2046$911$1,010$167,207
June 2046$906$1,016$166,192
July 2046$900$1,021$165,170
August 2046$895$1,027$164,143
September 2046$889$1,032$163,111
October 2046$884$1,038$162,073
November 2046$878$1,044$161,029
December 2046$872$1,049$159,980
2046$10,767$12,291$158,925
January 2047$867$1,055$158,925
February 2047$861$1,061$157,865
March 2047$855$1,066$156,798
April 2047$849$1,072$155,726
May 2047$844$1,078$154,648
June 2047$838$1,084$153,564
July 2047$832$1,090$152,475
August 2047$826$1,096$151,379
September 2047$820$1,102$150,278
October 2047$814$1,107$149,170
November 2047$808$1,113$148,057
December 2047$802$1,120$146,937
2047$9,944$13,114$145,811
January 2048$796$1,126$145,811
February 2048$790$1,132$144,680
March 2048$784$1,138$143,542
April 2048$778$1,144$142,398
May 2048$771$1,150$141,248
June 2048$765$1,156$140,091
July 2048$759$1,163$138,929
August 2048$753$1,169$137,760
September 2048$746$1,175$136,585
October 2048$740$1,182$135,403
November 2048$733$1,188$134,215
December 2048$727$1,194$133,020
2048$9,066$13,992$131,819
January 2049$721$1,201$131,819
February 2049$714$1,207$130,612
March 2049$707$1,214$129,398
April 2049$701$1,221$128,177
May 2049$694$1,227$126,950
June 2049$688$1,234$125,716
July 2049$681$1,241$124,476
August 2049$674$1,247$123,229
September 2049$667$1,254$121,975
October 2049$661$1,261$120,714
November 2049$654$1,268$119,446
December 2049$647$1,274$118,172
2049$8,129$14,929$116,890
January 2050$640$1,281$116,890
February 2050$633$1,288$115,602
March 2050$626$1,295$114,307
April 2050$619$1,302$113,004
May 2050$612$1,309$111,695
June 2050$605$1,316$110,378
July 2050$598$1,324$109,055
August 2050$591$1,331$107,724
September 2050$584$1,338$106,386
October 2050$576$1,345$105,041
November 2050$569$1,353$103,688
December 2050$562$1,360$102,329
2050$7,129$15,929$100,961
January 2051$554$1,367$100,961
February 2051$547$1,375$99,587
March 2051$539$1,382$98,205
April 2051$532$1,390$96,815
May 2051$524$1,397$95,418
June 2051$517$1,405$94,013
July 2051$509$1,412$92,601
August 2051$502$1,420$91,181
September 2051$494$1,428$89,754
October 2051$486$1,435$88,318
November 2051$478$1,443$86,875
December 2051$471$1,451$85,424
2051$6,062$16,996$83,966
January 2052$463$1,459$83,966
February 2052$455$1,467$82,499
March 2052$447$1,475$81,024
April 2052$439$1,483$79,542
May 2052$431$1,491$78,051
June 2052$423$1,499$76,552
July 2052$415$1,507$75,045
August 2052$406$1,515$73,531
September 2052$398$1,523$72,007
October 2052$390$1,531$70,476
November 2052$382$1,540$68,936
December 2052$373$1,548$67,388
2052$4,924$18,134$65,832
January 2053$365$1,556$65,832
February 2053$357$1,565$64,267
March 2053$348$1,573$62,693
April 2053$340$1,582$61,111
May 2053$331$1,590$59,521
June 2053$322$1,599$57,922
July 2053$314$1,608$56,314
August 2053$305$1,616$54,698
September 2053$296$1,625$53,072
October 2053$287$1,634$51,438
November 2053$279$1,643$49,796
December 2053$270$1,652$48,144
2053$3,709$19,348$46,483
January 2054$261$1,661$46,483
February 2054$252$1,670$44,813
March 2054$243$1,679$43,135
April 2054$234$1,688$41,447
May 2054$225$1,697$39,750
June 2054$215$1,706$38,044
July 2054$206$1,715$36,328
August 2054$197$1,725$34,604
September 2054$187$1,734$32,869
October 2054$178$1,743$31,126
November 2054$169$1,753$29,373
December 2054$159$1,762$27,611
2054$2,414$20,644$25,839
January 2055$150$1,772$25,839
February 2055$140$1,782$24,057
March 2055$130$1,791$22,266
April 2055$121$1,801$20,465
May 2055$111$1,811$18,655
June 2055$101$1,820$16,834
July 2055$91$1,830$15,004
August 2055$81$1,840$13,164
September 2055$71$1,850$11,313
October 2055$61$1,860$9,453
November 2055$51$1,870$7,583
December 2055$41$1,880$5,703
2055$1,031$22,027$3,812
January 2056$31$1,891$3,812
February 2056$21$1,901$1,911
March 2056$10$1,911$0
2056$31$3,812$0

Charlotte, NC Mortgage Overview

The average home in Charlotte costs around $380,000. With a 20% down payment of $76,000, you would need a loan of $304,000.

Charlotte homeowners pay a property tax rate of approximately 0.85%, which translates to about $3,230 per year on the average home. Annual homeowners insurance in Charlotte averages around $2,000.

What Affects Your Charlotte Mortgage Payment?

Your monthly PITI payment in Charlotte includes four components:

Tips for Charlotte Home Buyers

Back to North Carolina mortgage calculator

Browse by State

Alabama Arizona California Colorado Connecticut Florida Georgia Illinois Indiana Maryland Massachusetts Michigan Minnesota Missouri Nevada New Jersey New York North Carolina Ohio Oregon Pennsylvania Tennessee Texas Utah Virginia Washington Alaska Arkansas Delaware Hawaii Idaho Iowa Kansas Kentucky Louisiana Maine Mississippi Montana Nebraska New Hampshire New Mexico North Dakota Oklahoma Rhode Island South Carolina South Dakota Vermont West Virginia Wisconsin Wyoming Washington D.C.

Mortgage Calculator PITI

Principal, Interest, Taxes & Insurance

Calculator | Blog