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Texas Mortgage Calculator

Estimate your true cost of homeownership in Texas with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,460
P&I Payment$1,769
Taxes & Ins$568
Utilities$123
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Mortgage Details

$349,893
Local Median: $349,893
$69,979 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$2,460

Monthly Breakdown

Principal & Interest
$1,769
Property Taxes
$382
Homeowners Ins.
$186
Utilities
$123

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$357,015

Local Housing Facts for Texas

  • ·Median home value: $349,893 (adjusted for current market conditions)
  • ·Est. property taxes: $4,586/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,230/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,474/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Texas?

Based on the local median home value, estimated real estate property taxes in Texas are around $4,586 per year.

What is the average home price in Texas?

The median home value in Texas is currently estimated at $349,893.

How much does homeowners insurance cost in Texas?

For a median priced home, homeowners insurance in Texas averages around $2,230 annually.

What is the true total cost of owning a home in Texas?

True homeownership costs go beyond principal and interest. In Texas, a typical homeowner with a median-priced home of $349,893 can expect to pay roughly $4,586/yr in property taxes, $2,230/yr for homeowners insurance, and $1,474/yr in energy utilities. That adds approximately $691 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.