Mortgage Calculator

Estimate your full monthly housing payment. Results are estimates only; your lender's Loan Estimate is the official figure.

Home price ($) Down payment (%) Interest rate (%) Loan term30 years20 years15 years Property tax (% of price / yr) Home insurance ($ / yr) PMI (% of loan / yr, if <20% down) HOA dues ($ / mo)

Defaults use the national median existing-home price for September 2026 ($417,500, NAR) and Freddie Mac's 30-year average for the week of October 8, 2026 (7.40%). Property tax and insurance vary widely by location.

How to use this calculator

Enter the home price and your down payment percentage, then the rate quoted by your lender. Property taxes vary widely by county; check the listing or the local assessor's site for the actual bill. If your down payment is under 20% on a conventional loan, PMI applies until you reach about 20% equity. Learn more in mortgage basics and how much house can I afford.