Houston, TX mortgage calculator

Houston
Mortgage
Calculator

Texas's largest city and the nation's fourth most populous, Houston spans Harris County with one of the country's highest property tax rates — offset by no state income tax. Energy, medical, and tech sectors drive robust housing demand across diverse price points.

2.09% county property tax
Real local rates
No sign-up required
$
$
Interest rate6.48%
Monthly payment
$2,233
P&I · Taxes · Insurance
Total interest
$315,137
Principal & Interest$1,564/mo
Property Tax (2.09%)$540/mo
Homeowners Insurance$129/mo

Recommended for incomes above $100k/yr (28% DTI rule)

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2.09%
Houston area property tax rate
$310,000
Houston median home price
$2,233
est. monthly payment at defaults

Houston housing market

$310,000
Median home price
$57,000
Median household income
2,304,580
City population

The 2.09% property tax rate reflects the county-level effective rate for Houston and is used to calculate your monthly tax escrow above. This rate may differ from the statewide Texas average — county-level data produces more accurate monthly payment estimates for Houston buyers. Many Houston properties also carry HOA fees — the area average is approximately $150/month, which is not included in the calculator above.

Rate history

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