El Paso, TX Mortgage Calculator
Calculate your estimated mortgage payment for a home in El Paso, TX. Pre-filled with El Paso's average home price of $215,000, local property tax rate of 1.75%, and typical insurance costs.
$215,000
Avg. Home Price
1.75%
Property Tax Rate
$2,400
Avg. Annual Insurance
-
Est. Monthly Payment (PITI)
$1,600.74
? Monthly payment PITI with taxes & insurance included
$800.37
? 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
$219,376.52
? Total interest paid
$174,948.93
? Total interest paid if bi-weekly payments made
$313.58
? Monthly property tax paid (included in above PITI payment)
$200
? Monthly Home Insurance paid (included in above PITI payment)
| Payment | Interest | Principal | Balance |
|---|
| April 2026 | $932 | $155 | $171,845 |
| May 2026 | $931 | $156 | $171,688 |
| June 2026 | $930 | $157 | $171,531 |
| July 2026 | $929 | $158 | $171,373 |
| August 2026 | $928 | $159 | $171,214 |
| September 2026 | $927 | $160 | $171,054 |
| October 2026 | $927 | $161 | $170,894 |
| November 2026 | $926 | $161 | $170,732 |
| December 2026 | $925 | $162 | $170,570 |
| 2026 | $9,278 | $1,593 | $170,407 |
| January 2027 | $924 | $163 | $170,407 |
| February 2027 | $923 | $164 | $170,243 |
| March 2027 | $922 | $165 | $170,078 |
| April 2027 | $921 | $166 | $169,912 |
| May 2027 | $920 | $167 | $169,745 |
| June 2027 | $919 | $168 | $169,577 |
| July 2027 | $919 | $169 | $169,408 |
| August 2027 | $918 | $170 | $169,239 |
| September 2027 | $917 | $170 | $169,069 |
| October 2027 | $916 | $171 | $168,897 |
| November 2027 | $915 | $172 | $168,725 |
| December 2027 | $914 | $173 | $168,552 |
| 2027 | $11,017 | $2,029 | $168,377 |
| January 2028 | $913 | $174 | $168,377 |
| February 2028 | $912 | $175 | $168,202 |
| March 2028 | $911 | $176 | $168,026 |
| April 2028 | $910 | $177 | $167,849 |
| May 2028 | $909 | $178 | $167,671 |
| June 2028 | $908 | $179 | $167,492 |
| July 2028 | $907 | $180 | $167,312 |
| August 2028 | $906 | $181 | $167,132 |
| September 2028 | $905 | $182 | $166,950 |
| October 2028 | $904 | $183 | $166,767 |
| November 2028 | $903 | $184 | $166,583 |
| December 2028 | $902 | $185 | $166,398 |
| 2028 | $10,881 | $2,165 | $166,212 |
| January 2029 | $901 | $186 | $166,212 |
| February 2029 | $900 | $187 | $166,026 |
| March 2029 | $899 | $188 | $165,838 |
| April 2029 | $898 | $189 | $165,649 |
| May 2029 | $897 | $190 | $165,459 |
| June 2029 | $896 | $191 | $165,268 |
| July 2029 | $895 | $192 | $165,076 |
| August 2029 | $894 | $193 | $164,883 |
| September 2029 | $893 | $194 | $164,689 |
| October 2029 | $892 | $195 | $164,494 |
| November 2029 | $891 | $196 | $164,298 |
| December 2029 | $890 | $197 | $164,101 |
| 2029 | $10,736 | $2,310 | $163,902 |
| January 2030 | $889 | $198 | $163,902 |
| February 2030 | $888 | $199 | $163,703 |
| March 2030 | $887 | $200 | $163,502 |
| April 2030 | $886 | $202 | $163,301 |
| May 2030 | $885 | $203 | $163,098 |
| June 2030 | $883 | $204 | $162,895 |
| July 2030 | $882 | $205 | $162,690 |
| August 2030 | $881 | $206 | $162,484 |
| September 2030 | $880 | $207 | $162,277 |
| October 2030 | $879 | $208 | $162,069 |
| November 2030 | $878 | $209 | $161,859 |
| December 2030 | $877 | $210 | $161,649 |
| 2030 | $10,581 | $2,465 | $161,437 |
| January 2031 | $876 | $212 | $161,437 |
| February 2031 | $874 | $213 | $161,225 |
| March 2031 | $873 | $214 | $161,011 |
| April 2031 | $872 | $215 | $160,796 |
| May 2031 | $871 | $216 | $160,580 |
| June 2031 | $870 | $217 | $160,362 |
| July 2031 | $869 | $219 | $160,144 |
| August 2031 | $867 | $220 | $159,924 |
| September 2031 | $866 | $221 | $159,703 |
| October 2031 | $865 | $222 | $159,481 |
| November 2031 | $864 | $223 | $159,258 |
| December 2031 | $863 | $225 | $159,033 |
| 2031 | $10,416 | $2,630 | $158,808 |
| January 2032 | $861 | $226 | $158,808 |
| February 2032 | $860 | $227 | $158,581 |
| March 2032 | $859 | $228 | $158,352 |
| April 2032 | $858 | $229 | $158,123 |
| May 2032 | $856 | $231 | $157,892 |
| June 2032 | $855 | $232 | $157,660 |
| July 2032 | $854 | $233 | $157,427 |
| August 2032 | $853 | $234 | $157,193 |
| September 2032 | $851 | $236 | $156,957 |
| October 2032 | $850 | $237 | $156,720 |
| November 2032 | $849 | $238 | $156,482 |
| December 2032 | $848 | $240 | $156,242 |
| 2032 | $10,240 | $2,806 | $156,002 |
| January 2033 | $846 | $241 | $156,002 |
| February 2033 | $845 | $242 | $155,759 |
| March 2033 | $844 | $243 | $155,516 |
| April 2033 | $842 | $245 | $155,271 |
| May 2033 | $841 | $246 | $155,025 |
| June 2033 | $840 | $247 | $154,778 |
| July 2033 | $838 | $249 | $154,529 |
| August 2033 | $837 | $250 | $154,279 |
| September 2033 | $836 | $251 | $154,027 |
| October 2033 | $834 | $253 | $153,774 |
| November 2033 | $833 | $254 | $153,520 |
| December 2033 | $832 | $256 | $153,265 |
| 2033 | $10,052 | $2,994 | $153,008 |
| January 2034 | $830 | $257 | $153,008 |
| February 2034 | $829 | $258 | $152,749 |
| March 2034 | $827 | $260 | $152,489 |
| April 2034 | $826 | $261 | $152,228 |
| May 2034 | $825 | $263 | $151,966 |
| June 2034 | $823 | $264 | $151,702 |
| July 2034 | $822 | $265 | $151,436 |
| August 2034 | $820 | $267 | $151,169 |
| September 2034 | $819 | $268 | $150,901 |
| October 2034 | $817 | $270 | $150,631 |
| November 2034 | $816 | $271 | $150,360 |
| December 2034 | $814 | $273 | $150,087 |
| 2034 | $9,851 | $3,194 | $149,813 |
| January 2035 | $813 | $274 | $149,813 |
| February 2035 | $811 | $276 | $149,538 |
| March 2035 | $810 | $277 | $149,260 |
| April 2035 | $808 | $279 | $148,982 |
| May 2035 | $807 | $280 | $148,702 |
| June 2035 | $805 | $282 | $148,420 |
| July 2035 | $804 | $283 | $148,137 |
| August 2035 | $802 | $285 | $147,852 |
| September 2035 | $801 | $286 | $147,566 |
| October 2035 | $799 | $288 | $147,278 |
| November 2035 | $798 | $289 | $146,988 |
| December 2035 | $796 | $291 | $146,697 |
| 2035 | $9,638 | $3,408 | $146,405 |
| January 2036 | $795 | $293 | $146,405 |
| February 2036 | $793 | $294 | $146,111 |
| March 2036 | $791 | $296 | $145,815 |
| April 2036 | $790 | $297 | $145,518 |
| May 2036 | $788 | $299 | $145,219 |
| June 2036 | $787 | $301 | $144,918 |
| July 2036 | $785 | $302 | $144,616 |
| August 2036 | $783 | $304 | $144,312 |
| September 2036 | $782 | $305 | $144,007 |
| October 2036 | $780 | $307 | $143,700 |
| November 2036 | $778 | $309 | $143,391 |
| December 2036 | $777 | $310 | $143,080 |
| 2036 | $9,409 | $3,637 | $142,768 |
| January 2037 | $775 | $312 | $142,768 |
| February 2037 | $773 | $314 | $142,454 |
| March 2037 | $772 | $316 | $142,139 |
| April 2037 | $770 | $317 | $141,822 |
| May 2037 | $768 | $319 | $141,503 |
| June 2037 | $766 | $321 | $141,182 |
| July 2037 | $765 | $322 | $140,859 |
| August 2037 | $763 | $324 | $140,535 |
| September 2037 | $761 | $326 | $140,209 |
| October 2037 | $759 | $328 | $139,882 |
| November 2037 | $758 | $329 | $139,552 |
| December 2037 | $756 | $331 | $139,221 |
| 2037 | $9,166 | $3,880 | $138,888 |
| January 2038 | $754 | $333 | $138,888 |
| February 2038 | $752 | $335 | $138,553 |
| March 2038 | $750 | $337 | $138,216 |
| April 2038 | $749 | $338 | $137,878 |
| May 2038 | $747 | $340 | $137,538 |
| June 2038 | $745 | $342 | $137,195 |
| July 2038 | $743 | $344 | $136,851 |
| August 2038 | $741 | $346 | $136,506 |
| September 2038 | $739 | $348 | $136,158 |
| October 2038 | $738 | $350 | $135,808 |
| November 2038 | $736 | $352 | $135,457 |
| December 2038 | $734 | $353 | $135,103 |
| 2038 | $8,906 | $4,140 | $134,748 |
| January 2039 | $732 | $355 | $134,748 |
| February 2039 | $730 | $357 | $134,391 |
| March 2039 | $728 | $359 | $134,031 |
| April 2039 | $726 | $361 | $133,670 |
| May 2039 | $724 | $363 | $133,307 |
| June 2039 | $722 | $365 | $132,942 |
| July 2039 | $720 | $367 | $132,575 |
| August 2039 | $718 | $369 | $132,206 |
| September 2039 | $716 | $371 | $131,835 |
| October 2039 | $714 | $373 | $131,462 |
| November 2039 | $712 | $375 | $131,087 |
| December 2039 | $710 | $377 | $130,710 |
| 2039 | $8,629 | $4,417 | $130,331 |
| January 2040 | $708 | $379 | $130,331 |
| February 2040 | $706 | $381 | $129,949 |
| March 2040 | $704 | $383 | $129,566 |
| April 2040 | $702 | $385 | $129,181 |
| May 2040 | $700 | $387 | $128,793 |
| June 2040 | $698 | $390 | $128,404 |
| July 2040 | $696 | $392 | $128,012 |
| August 2040 | $693 | $394 | $127,618 |
| September 2040 | $691 | $396 | $127,223 |
| October 2040 | $689 | $398 | $126,824 |
| November 2040 | $687 | $400 | $126,424 |
| December 2040 | $685 | $402 | $126,022 |
| 2040 | $8,333 | $4,713 | $125,617 |
| January 2041 | $683 | $405 | $125,617 |
| February 2041 | $680 | $407 | $125,211 |
| March 2041 | $678 | $409 | $124,802 |
| April 2041 | $676 | $411 | $124,391 |
| May 2041 | $674 | $413 | $123,977 |
| June 2041 | $672 | $416 | $123,562 |
| July 2041 | $669 | $418 | $123,144 |
| August 2041 | $667 | $420 | $122,724 |
| September 2041 | $665 | $422 | $122,301 |
| October 2041 | $662 | $425 | $121,876 |
| November 2041 | $660 | $427 | $121,450 |
| December 2041 | $658 | $429 | $121,020 |
| 2041 | $8,017 | $5,029 | $120,589 |
| January 2042 | $656 | $432 | $120,589 |
| February 2042 | $653 | $434 | $120,155 |
| March 2042 | $651 | $436 | $119,718 |
| April 2042 | $648 | $439 | $119,280 |
| May 2042 | $646 | $441 | $118,839 |
| June 2042 | $644 | $443 | $118,395 |
| July 2042 | $641 | $446 | $117,949 |
| August 2042 | $639 | $448 | $117,501 |
| September 2042 | $636 | $451 | $117,050 |
| October 2042 | $634 | $453 | $116,597 |
| November 2042 | $632 | $456 | $116,142 |
| December 2042 | $629 | $458 | $115,683 |
| 2042 | $7,680 | $5,366 | $115,223 |
| January 2043 | $627 | $461 | $115,223 |
| February 2043 | $624 | $463 | $114,760 |
| March 2043 | $622 | $466 | $114,294 |
| April 2043 | $619 | $468 | $113,826 |
| May 2043 | $617 | $471 | $113,356 |
| June 2043 | $614 | $473 | $112,883 |
| July 2043 | $611 | $476 | $112,407 |
| August 2043 | $609 | $478 | $111,929 |
| September 2043 | $606 | $481 | $111,448 |
| October 2043 | $604 | $483 | $110,964 |
| November 2043 | $601 | $486 | $110,478 |
| December 2043 | $598 | $489 | $109,989 |
| 2043 | $7,321 | $5,725 | $109,498 |
| January 2044 | $596 | $491 | $109,498 |
| February 2044 | $593 | $494 | $109,004 |
| March 2044 | $590 | $497 | $108,507 |
| April 2044 | $588 | $499 | $108,008 |
| May 2044 | $585 | $502 | $107,506 |
| June 2044 | $582 | $505 | $107,001 |
| July 2044 | $580 | $508 | $106,493 |
| August 2044 | $577 | $510 | $105,983 |
| September 2044 | $574 | $513 | $105,470 |
| October 2044 | $571 | $516 | $104,954 |
| November 2044 | $569 | $519 | $104,435 |
| December 2044 | $566 | $521 | $103,914 |
| 2044 | $6,938 | $6,108 | $103,390 |
| January 2045 | $563 | $524 | $103,390 |
| February 2045 | $560 | $527 | $102,863 |
| March 2045 | $557 | $530 | $102,333 |
| April 2045 | $554 | $533 | $101,800 |
| May 2045 | $551 | $536 | $101,264 |
| June 2045 | $549 | $539 | $100,725 |
| July 2045 | $546 | $542 | $100,184 |
| August 2045 | $543 | $544 | $99,639 |
| September 2045 | $540 | $547 | $99,092 |
| October 2045 | $537 | $550 | $98,541 |
| November 2045 | $534 | $553 | $97,988 |
| December 2045 | $531 | $556 | $97,432 |
| 2045 | $6,528 | $6,517 | $96,872 |
| January 2046 | $528 | $559 | $96,872 |
| February 2046 | $525 | $562 | $96,310 |
| March 2046 | $522 | $565 | $95,744 |
| April 2046 | $519 | $569 | $95,176 |
| May 2046 | $516 | $572 | $94,604 |
| June 2046 | $512 | $575 | $94,029 |
| July 2046 | $509 | $578 | $93,452 |
| August 2046 | $506 | $581 | $92,871 |
| September 2046 | $503 | $584 | $92,287 |
| October 2046 | $500 | $587 | $91,699 |
| November 2046 | $497 | $590 | $91,109 |
| December 2046 | $494 | $594 | $90,515 |
| 2046 | $6,092 | $6,954 | $89,918 |
| January 2047 | $490 | $597 | $89,918 |
| February 2047 | $487 | $600 | $89,318 |
| March 2047 | $484 | $603 | $88,715 |
| April 2047 | $481 | $607 | $88,108 |
| May 2047 | $477 | $610 | $87,498 |
| June 2047 | $474 | $613 | $86,885 |
| July 2047 | $471 | $617 | $86,269 |
| August 2047 | $467 | $620 | $85,649 |
| September 2047 | $464 | $623 | $85,025 |
| October 2047 | $461 | $627 | $84,399 |
| November 2047 | $457 | $630 | $83,769 |
| December 2047 | $454 | $633 | $83,135 |
| 2047 | $5,626 | $7,420 | $82,499 |
| January 2048 | $450 | $637 | $82,499 |
| February 2048 | $447 | $640 | $81,858 |
| March 2048 | $443 | $644 | $81,215 |
| April 2048 | $440 | $647 | $80,567 |
| May 2048 | $436 | $651 | $79,917 |
| June 2048 | $433 | $654 | $79,262 |
| July 2048 | $429 | $658 | $78,604 |
| August 2048 | $426 | $661 | $77,943 |
| September 2048 | $422 | $665 | $77,278 |
| October 2048 | $419 | $669 | $76,610 |
| November 2048 | $415 | $672 | $75,937 |
| December 2048 | $411 | $676 | $75,262 |
| 2048 | $5,129 | $7,917 | $74,582 |
| January 2049 | $408 | $679 | $74,582 |
| February 2049 | $404 | $683 | $73,899 |
| March 2049 | $400 | $687 | $73,212 |
| April 2049 | $397 | $691 | $72,521 |
| May 2049 | $393 | $694 | $71,827 |
| June 2049 | $389 | $698 | $71,129 |
| July 2049 | $385 | $702 | $70,427 |
| August 2049 | $381 | $706 | $69,721 |
| September 2049 | $378 | $709 | $69,012 |
| October 2049 | $374 | $713 | $68,299 |
| November 2049 | $370 | $717 | $67,581 |
| December 2049 | $366 | $721 | $66,860 |
| 2049 | $4,599 | $8,447 | $66,135 |
| January 2050 | $362 | $725 | $66,135 |
| February 2050 | $358 | $729 | $65,406 |
| March 2050 | $354 | $733 | $64,674 |
| April 2050 | $350 | $737 | $63,937 |
| May 2050 | $346 | $741 | $63,196 |
| June 2050 | $342 | $745 | $62,451 |
| July 2050 | $338 | $749 | $61,702 |
| August 2050 | $334 | $753 | $60,949 |
| September 2050 | $330 | $757 | $60,192 |
| October 2050 | $326 | $761 | $59,431 |
| November 2050 | $322 | $765 | $58,666 |
| December 2050 | $318 | $769 | $57,896 |
| 2050 | $4,033 | $9,012 | $57,123 |
| January 2051 | $314 | $774 | $57,123 |
| February 2051 | $309 | $778 | $56,345 |
| March 2051 | $305 | $782 | $55,563 |
| April 2051 | $301 | $786 | $54,777 |
| May 2051 | $297 | $790 | $53,987 |
| June 2051 | $292 | $795 | $53,192 |
| July 2051 | $288 | $799 | $52,393 |
| August 2051 | $284 | $803 | $51,589 |
| September 2051 | $279 | $808 | $50,782 |
| October 2051 | $275 | $812 | $49,970 |
| November 2051 | $271 | $816 | $49,153 |
| December 2051 | $266 | $821 | $48,332 |
| 2051 | $3,430 | $9,616 | $47,507 |
| January 2052 | $262 | $825 | $47,507 |
| February 2052 | $257 | $830 | $46,677 |
| March 2052 | $253 | $834 | $45,843 |
| April 2052 | $248 | $839 | $45,004 |
| May 2052 | $244 | $843 | $44,160 |
| June 2052 | $239 | $848 | $43,312 |
| July 2052 | $235 | $853 | $42,460 |
| August 2052 | $230 | $857 | $41,603 |
| September 2052 | $225 | $862 | $40,741 |
| October 2052 | $221 | $866 | $39,874 |
| November 2052 | $216 | $871 | $39,003 |
| December 2052 | $211 | $876 | $38,127 |
| 2052 | $2,786 | $10,260 | $37,247 |
| January 2053 | $207 | $881 | $37,247 |
| February 2053 | $202 | $885 | $36,361 |
| March 2053 | $197 | $890 | $35,471 |
| April 2053 | $192 | $895 | $34,576 |
| May 2053 | $187 | $900 | $33,676 |
| June 2053 | $182 | $905 | $32,772 |
| July 2053 | $178 | $910 | $31,862 |
| August 2053 | $173 | $915 | $30,947 |
| September 2053 | $168 | $920 | $30,028 |
| October 2053 | $163 | $925 | $29,103 |
| November 2053 | $158 | $930 | $28,174 |
| December 2053 | $153 | $935 | $27,239 |
| 2053 | $2,099 | $10,947 | $26,300 |
| January 2054 | $148 | $940 | $26,300 |
| February 2054 | $142 | $945 | $25,355 |
| March 2054 | $137 | $950 | $24,405 |
| April 2054 | $132 | $955 | $23,450 |
| May 2054 | $127 | $960 | $22,490 |
| June 2054 | $122 | $965 | $21,525 |
| July 2054 | $117 | $971 | $20,554 |
| August 2054 | $111 | $976 | $19,578 |
| September 2054 | $106 | $981 | $18,597 |
| October 2054 | $101 | $986 | $17,611 |
| November 2054 | $95 | $992 | $16,619 |
| December 2054 | $90 | $997 | $15,622 |
| 2054 | $1,366 | $11,680 | $14,619 |
| January 2055 | $85 | $1,003 | $14,619 |
| February 2055 | $79 | $1,008 | $13,611 |
| March 2055 | $74 | $1,013 | $12,598 |
| April 2055 | $68 | $1,019 | $11,579 |
| May 2055 | $63 | $1,024 | $10,555 |
| June 2055 | $57 | $1,030 | $9,525 |
| July 2055 | $52 | $1,036 | $8,489 |
| August 2055 | $46 | $1,041 | $7,448 |
| September 2055 | $40 | $1,047 | $6,401 |
| October 2055 | $35 | $1,052 | $5,349 |
| November 2055 | $29 | $1,058 | $4,290 |
| December 2055 | $23 | $1,064 | $3,226 |
| 2055 | $583 | $12,463 | $2,157 |
| January 2056 | $17 | $1,070 | $2,157 |
| February 2056 | $12 | $1,075 | $1,081 |
| March 2056 | $6 | $1,081 | $0 |
| 2056 | $18 | $2,157 | $0 |
El Paso, TX Mortgage Overview
The average home in El Paso costs around $215,000. With a 20% down payment of $43,000, you would need a loan of $172,000.
El Paso homeowners pay a property tax rate of approximately 1.75%, which translates to about $3,763 per year on the average home. Annual homeowners insurance in El Paso averages around $2,400.
What Affects Your El Paso Mortgage Payment?
Your monthly PITI payment in El Paso includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — El Paso’s property taxes average 1.75%, lower than the Texas state average of 1.8%
- Insurance — homeowners insurance in El Paso averages $2,400/year
Tips for El Paso Home Buyers
- Compare rates from multiple El Paso lenders — even a 0.25% rate difference can save tens of thousands over the life of your loan
- Check your credit score before applying — a higher score means better rates
- Consider bi-weekly payments — paying every two weeks instead of monthly can shave years off your mortgage
- Factor in PMI — if your down payment is less than 20%, you’ll pay Private Mortgage Insurance until you reach 80% loan-to-value
- Look at El Paso first-time buyer programs — many Texas cities offer down payment assistance or reduced rates for first-time buyers
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