Houston mortgage calculator
Houston offers comparatively affordable home prices and no state income tax, but Texas has high property-tax rates that offset some of that advantage in your monthly payment.
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Houston mortgage inputs
Enter your gross monthly income above to see an affordability read (based on the standard 28% front-end DTI guideline).
Loan amount: $320,000
Starts from Texas's 1.4% average effective property-tax rate. Your rate in Harris County may differ — edit any field for your exact numbers.
Buying a home in Houston
Texas funds much of its local government through property tax rather than income tax, so while your paycheck isn't taxed at the state level, your home is taxed at a relatively high effective rate. Houston also has no formal zoning, which shapes its neighborhoods. Homestead exemptions can meaningfully lower your taxable value, so check whether you qualify.
As a worked example, a $400,000 home with 20% down and a 6.55% 30-year fixed rate works out to about $2,033 a month in principal and interest, plus roughly $467 for property tax at Texas's 1.4% average — a core cost near $2,500 before insurance and any HOA. Enter Houston prices you're actually seeing to get your real figure.
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Frequently asked questions
How much is a monthly mortgage payment in Houston?
It depends on the home price, your rate, and your down payment. As an example, a $400,000 home with 20% down at 6.55% over 30 years is about $2,033 in principal and interest, plus roughly $467 a month for Texas's 1.4% average property tax — before insurance and any HOA or maintenance charges.
Does this calculator include Houston property taxes?
Yes — it starts from Texas's statewide average effective property-tax rate of 1.4%. Local rates in Harris County can differ, so check your county assessor and adjust the property-tax field for your exact number.
Does the calculator store my information?
No. Everything is calculated in your browser — no account, no email, no lead form, nothing saved or sent to a server.