Houston · Tools

Mortgage calculator.

Quick honest math for Greater Houston. Adjust the numbers to see a monthly payment with taxes, insurance and HOA folded in. Texas tax rates run high — plan around it.

Home price$400,000

Down payment20%

$80,000 down · $320,000 financed

Interest rate6.750%

Loan term

Property tax rate2.30%

Greater Houston typically 2.0–2.8%

Homeowners insurance (annual)$2,400

HOA (monthly)$45