Current Avg. Rates: 6.46% 30-yr fixed|5.77% 15-yr fixed
Source: Freddie Mac Primary Mortgage Market Survey
Source: Freddie Mac Primary Mortgage Market Survey
Houston, TX Mortgage Calculator
Calculate your estimated mortgage payment for a home in Houston, TX. Pre-filled with local averages.
$310,000
Avg. Home Price
1.9%
Property Tax Rate
$3,500
Avg. Annual Insurance
Your Monthly Payment (PITI)
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Principal + Interest + Tax + Insurance
Monthly Breakdown
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Property Tax
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Insurance
Loan Overview
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Total Interest
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Payoff Date
Bi-Weekly Option
? Pay half your monthly payment every two weeks — you'll make 26 half-payments (13 full payments) per year instead of 12
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Bi-Weekly Payment
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Total Interest
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Payoff Date
Houston, TX Mortgage at a Glance
| Average home price | $310,000 ($30,000 below the Texas state average) |
| Property tax rate | 1.9% ($5,890/year) — higher than Texas’s 1.8% average |
| Average insurance | $3,500/year |
| Est. monthly PITI | $2,350 (20% down, 6.5%) |
| Total interest (30yr) | $316,310 |
| Income needed (28% rule) | $100,716/year |
Texas mortgage calculator | How much house can I afford? | Property taxes by state
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