Texas Mortgage Calculator (2026)

Rates as of Oct 22 2026 · county tax data: ACS 2020–2024, released 2026-01-29

Statewide avg. effective tax rate
1.49%
Median home value
$523,000
Home insurance (est.)
$3,500/yr

Estimated PITI at the Texas median home price of $523,000, 20% down, 30-year fixed at 7.32%: $3,786/mo. The tax line uses Travis County (Austin)'s effective rate of 1.48% and insurance of $3,200/yr — the calculator's default county. Buyer's transfer tax: no state transfer tax.

Payment calculator

Loan type
$
%
$104,600 cash
%
30-yr fixed base 7.32% · credit adj +0.00% → 7.32% · PMMS Oct 22 2026
Loan term
Credit score
sets local tax & insurance
Picking a county updates the local property tax rate and insurance estimate — your home price stays as entered.
Advanced — HOA & extra payments
$
$
Estimated monthly payment
$3,785.82/mo
$3,786/mo
Principal & interest$2,874.12
Property tax$645.03
Home insurance$266.67
Covers principal & interest, property tax, insurance and mortgage insurance (when it applies). HOA counts only if entered above — left blank it is $0.
Loan amount$418,400
Down payment$104,600
LTV80%
Total interest$616,282
Payoff date…
Cash to close (estimate)
Down payment$104,600
Closing costs (2%–5%)$10,460 – $26,150
Est. cash needed$115,060 – $130,750
Transfer tax: No state transfer tax
The 2%–5% covers lender & title fees only. Transfer tax is not part of the cash total — it is listed separately, and some cities levy their own on top.
Using Travis County (Austin) effective rate 1.48% · insurance $3,200/yr
Amortization
Year 12
Principal paid
$73,907
Interest paid
$339,966
Still owed
$344,493
$800k$600k$400k$200k$0
08152330

All three lines are running totals since the loan started — not a breakdown of the monthly payment.

What local costs matter in Texas?

No state income tax — but property taxes run high (~1.40% effective)
$100,000 homestead exemption school taxes; more at 65+
Non-judicial foreclosure — the process is fast
No state transfer tax; closing costs typically 2%–3%
All 254 Texas counties — property tax rates
CountyEffective tax rateProperty tax /moInsurance (est.)
Travis County (Austin)1.48%$$645$3,200/yr
Harris County (Houston)1.62%$$706$3,800/yr
Dallas County1.58%$$689$3,400/yr
Collin County1.58%$$689$3,200/yr
Bexar County (San Antonio)1.73%$$754$3,000/yr
Anderson County0.92%$$401$3,500/yr
Andrews County1.28%$$558$3,500/yr
Angelina County1.09%$$475$3,500/yr
Aransas County1.02%$$445$3,500/yr
Archer County1.21%$$527$3,500/yr
Armstrong County1.23%$$536$3,500/yr
Atascosa County1.29%$$562$3,500/yr
Show all 254 counties
CountyEffective tax rateProperty tax /moInsurance (est.)
Austin County1.16%$$506$3,500/yr
Bailey County1.52%$$662$3,500/yr
Bandera County0.88%$$384$3,500/yr
Bastrop County1.41%$$615$3,500/yr
Baylor County1.25%$$545$3,500/yr
Bee County1.45%$$632$3,500/yr
Bell County1.44%$$628$3,500/yr
Blanco County0.93%$$405$3,500/yr
Borden County0.42%$$183$3,500/yr
Bosque County0.98%$$427$3,500/yr
Bowie County1.18%$$514$3,500/yr
Brazoria County1.66%$$723$3,500/yr
Brazos County1.54%$$671$3,500/yr
Brewster County1.13%$$492$3,500/yr
Briscoe County1.09%$$475$3,500/yr
Brooks County1.31%$$571$3,500/yr
Brown County1.11%$$484$3,500/yr
Burleson County0.95%$$414$3,500/yr
Burnet County1.06%$$462$3,500/yr
Caldwell County1.35%$$588$3,500/yr
Calhoun County1.26%$$549$3,500/yr
Callahan County0.91%$$397$3,500/yr
Cameron County1.5%$$654$3,500/yr
Camp County1.1%$$479$3,500/yr
Carson County1.19%$$519$3,500/yr
Cass County0.94%$$410$3,500/yr
Castro County0.92%$$401$3,500/yr
Chambers County1.05%$$458$3,500/yr
Cherokee County1.16%$$506$3,500/yr
Childress County1.19%$$519$3,500/yr
Clay County1.27%$$554$3,500/yr
Cochran County1.1%$$479$3,500/yr
Coke County1.16%$$506$3,500/yr
Coleman County1.35%$$588$3,500/yr
Collingsworth County1.26%$$549$3,500/yr
Colorado County1.05%$$458$3,500/yr
Comal County1.13%$$492$3,500/yr
Comanche County1.35%$$588$3,500/yr
Concho County1.68%$$732$3,500/yr
Cooke County1.19%$$519$3,500/yr
Coryell County1.36%$$593$3,500/yr
Cottle County1.15%$$501$3,500/yr
Crane County1.04%$$453$3,500/yr
Crockett County——$3,500/yr
Crosby County1.83%$$798$3,500/yr
Culberson County0.97%$$423$3,500/yr
Dallam County1.15%$$501$3,500/yr
Dawson County1.62%$$706$3,500/yr
Deaf Smith County1.48%$$645$3,500/yr
Delta County0.95%$$414$3,500/yr
Denton County1.61%$$702$3,500/yr
DeWitt County0.86%$$375$3,500/yr
Dickens County1.44%$$628$3,500/yr
Dimmit County1.43%$$623$3,500/yr
Donley County1.16%$$506$3,500/yr
Duval County1.28%$$558$3,500/yr
Eastland County1.08%$$471$3,500/yr
Ector County1.27%$$554$3,500/yr
Edwards County——$3,500/yr
El Paso County2.03%$$885$3,500/yr
Ellis County1.35%$$588$3,500/yr
Erath County1.07%$$466$3,500/yr
Falls County1.37%$$597$3,500/yr
Fannin County1.08%$$471$3,500/yr
Fayette County0.89%$$388$3,500/yr
Fisher County1.73%$$754$3,500/yr
Floyd County1.24%$$540$3,500/yr
Foard County1.12%$$488$3,500/yr
Fort Bend County1.86%$$811$3,500/yr
Franklin County0.89%$$388$3,500/yr
Freestone County0.94%$$410$3,500/yr
Frio County1.55%$$676$3,500/yr
Gaines County1.57%$$684$3,500/yr
Galveston County1.41%$$615$3,500/yr
Garza County1.57%$$684$3,500/yr
Gillespie County0.98%$$427$3,500/yr
Glasscock County0.55%$$240$3,500/yr
Goliad County0.94%$$410$3,500/yr
Gonzales County1.31%$$571$3,500/yr
Gray County1.37%$$597$3,500/yr
Grayson County1.27%$$554$3,500/yr
Gregg County1.16%$$506$3,500/yr
Grimes County1.02%$$445$3,500/yr
Guadalupe County1.43%$$623$3,500/yr
Hale County1.31%$$571$3,500/yr
Hall County1.26%$$549$3,500/yr
Hamilton County1.26%$$549$3,500/yr
Hansford County1.81%$$789$3,500/yr
Hardeman County1.04%$$453$3,500/yr
Hardin County1.09%$$475$3,500/yr
Harrison County0.97%$$423$3,500/yr
Hartley County1.01%$$440$3,500/yr
Haskell County1.16%$$506$3,500/yr
Hays County1.66%$$723$3,500/yr
Hemphill County1.16%$$506$3,500/yr
Henderson County0.94%$$410$3,500/yr
Hidalgo County1.62%$$706$3,500/yr
Hill County1.16%$$506$3,500/yr
Hockley County1.39%$$606$3,500/yr
Hood County1.05%$$458$3,500/yr
Hopkins County1%$$436$3,500/yr
Houston County0.84%$$366$3,500/yr
Howard County0.95%$$414$3,500/yr
Hudspeth County1.25%$$545$3,500/yr
Hunt County1.24%$$540$3,500/yr
Hutchinson County1.35%$$588$3,500/yr
Irion County0.7%$$305$3,500/yr
Jack County0.98%$$427$3,500/yr
Jackson County1.02%$$445$3,500/yr
Jasper County0.97%$$423$3,500/yr
Jeff Davis County0.6%$$262$3,500/yr
Jefferson County1.53%$$667$3,500/yr
Jim Hogg County0.97%$$423$3,500/yr
Jim Wells County1.15%$$501$3,500/yr
Johnson County1.24%$$540$3,500/yr
Jones County1.59%$$693$3,500/yr
Karnes County0.93%$$405$3,500/yr
Kaufman County1.68%$$732$3,500/yr
Kendall County1.1%$$479$3,500/yr
Kenedy County——$3,500/yr
Kent County0.68%$$296$3,500/yr
Kerr County0.97%$$423$3,500/yr
Kimble County1.27%$$554$3,500/yr
King County1.08%$$471$3,500/yr
Kinney County1.41%$$615$3,500/yr
Kleberg County1.47%$$641$3,500/yr
Knox County1.6%$$697$3,500/yr
La Salle County1.47%$$641$3,500/yr
Lamar County0.87%$$379$3,500/yr
Lamb County1.12%$$488$3,500/yr
Lampasas County1.17%$$510$3,500/yr
Lavaca County0.89%$$388$3,500/yr
Lee County0.96%$$418$3,500/yr
Leon County0.69%$$301$3,500/yr
Liberty County1.17%$$510$3,500/yr
Limestone County1.19%$$519$3,500/yr
Lipscomb County1.41%$$615$3,500/yr
Live Oak County0.96%$$418$3,500/yr
Llano County0.75%$$327$3,500/yr
Loving County——$3,500/yr
Lubbock County1.51%$$658$3,500/yr
Lynn County1.77%$$771$3,500/yr
Madison County0.98%$$427$3,500/yr
Marion County0.74%$$323$3,500/yr
Martin County0.91%$$397$3,500/yr
Mason County0.84%$$366$3,500/yr
Matagorda County1.35%$$588$3,500/yr
Maverick County1.25%$$545$3,500/yr
McCulloch County0.99%$$431$3,500/yr
McLennan County1.42%$$619$3,500/yr
McMullen County0.41%$$179$3,500/yr
Medina County1.32%$$575$3,500/yr
Menard County1.95%$$850$3,500/yr
Midland County1.23%$$536$3,500/yr
Milam County0.99%$$431$3,500/yr
Mills County0.78%$$340$3,500/yr
Mitchell County1.86%$$811$3,500/yr
Montague County0.92%$$401$3,500/yr
Montgomery County1.52%$$662$3,500/yr
Moore County1.3%$$567$3,500/yr
Morris County1.1%$$479$3,500/yr
Motley County1.03%$$449$3,500/yr
Nacogdoches County0.83%$$362$3,500/yr
Navarro County1.2%$$523$3,500/yr
Newton County0.82%$$357$3,500/yr
Nolan County1.53%$$667$3,500/yr
Nueces County1.59%$$693$3,500/yr
Ochiltree County1.42%$$619$3,500/yr
Oldham County1.09%$$475$3,500/yr
Orange County1.24%$$540$3,500/yr
Palo Pinto County1.11%$$484$3,500/yr
Panola County0.79%$$344$3,500/yr
Parker County1.4%$$610$3,500/yr
Parmer County1.28%$$558$3,500/yr
Pecos County1.03%$$449$3,500/yr
Polk County0.9%$$392$3,500/yr
Potter County1.46%$$636$3,500/yr
Presidio County1.24%$$540$3,500/yr
Rains County1.02%$$445$3,500/yr
Randall County1.51%$$658$3,500/yr
Reagan County0.92%$$401$3,500/yr
Real County1.07%$$466$3,500/yr
Red River County1.01%$$440$3,500/yr
Reeves County1.08%$$471$3,500/yr
Refugio County1.47%$$641$3,500/yr
Roberts County1.11%$$484$3,500/yr
Robertson County1.01%$$440$3,500/yr
Rockwall County1.54%$$671$3,500/yr
Runnels County1.37%$$597$3,500/yr
Rusk County1.05%$$458$3,500/yr
Sabine County0.82%$$357$3,500/yr
San Augustine County0.68%$$296$3,500/yr
San Jacinto County0.99%$$431$3,500/yr
San Patricio County1.49%$$649$3,500/yr
San Saba County0.9%$$392$3,500/yr
Schleicher County1.25%$$545$3,500/yr
Scurry County1.27%$$554$3,500/yr
Shackelford County1.15%$$501$3,500/yr
Shelby County1.01%$$440$3,500/yr
Sherman County1.72%$$750$3,500/yr
Smith County1.16%$$506$3,500/yr
Somervell County0.91%$$397$3,500/yr
Starr County1.14%$$497$3,500/yr
Stephens County1.48%$$645$3,500/yr
Sterling County1.29%$$562$3,500/yr
Stonewall County1.79%$$780$3,500/yr
Sutton County1.22%$$532$3,500/yr
Swisher County1.72%$$750$3,500/yr
Tarrant County1.65%$$719$3,500/yr
Taylor County1.37%$$597$3,500/yr
Terrell County0.92%$$401$3,500/yr
Terry County1.69%$$737$3,500/yr
Throckmorton County1.28%$$558$3,500/yr
Titus County1.2%$$523$3,500/yr
Tom Green County1.29%$$562$3,500/yr
Trinity County1.06%$$462$3,500/yr
Tyler County0.89%$$388$3,500/yr
Upshur County1.19%$$519$3,500/yr
Upton County1.08%$$471$3,500/yr
Uvalde County1.44%$$628$3,500/yr
Val Verde County1.43%$$623$3,500/yr
Van Zandt County1.03%$$449$3,500/yr
Victoria County1.46%$$636$3,500/yr
Walker County1.18%$$514$3,500/yr
Waller County1.27%$$554$3,500/yr
Ward County0.64%$$279$3,500/yr
Washington County1.09%$$475$3,500/yr
Webb County1.8%$$785$3,500/yr
Wharton County1.52%$$662$3,500/yr
Wheeler County1.39%$$606$3,500/yr
Wichita County1.64%$$715$3,500/yr
Wilbarger County1.6%$$697$3,500/yr
Willacy County1.68%$$732$3,500/yr
Williamson County1.61%$$702$3,500/yr
Wilson County1.22%$$532$3,500/yr
Winkler County0.76%$$331$3,500/yr
Wise County1.14%$$497$3,500/yr
Wood County0.88%$$384$3,500/yr
Yoakum County0.94%$$410$3,500/yr
Young County1.11%$$484$3,500/yr
Zapata County0.95%$$414$3,500/yr
Zavala County1.53%$$667$3,500/yr
Texas state average1.49%$$649$3,500/yr
Monthly tax is estimated on a $523,000 home — the price in the calculator above. Effective rates — U.S. Census Bureau, ACS 2024 (5-yr).

† Rates marked with ≥ are conservative estimates. ACS suppresses median tax values above $10,001 for privacy, which makes the calculated rate a lower bound — the true rate is higher in Manhattan, parts of Long Island, northern New Jersey and other high-cost areas.

How Texas compares

Texas's statewide average effective rate is 1.49% — the 7th highest of the 51 covered here (the 50 states and DC), against a median of 0.8%. On the $523,000 home the calculator starts with, that is about $649 a month in property tax before any other cost. Property taxes by state ranks all 51 with median bills attached.

A state average hides the part that changes the bill. The county rows above run from 0.41% in McMullen County to 2.03% in El Paso County — roughly $706 a month apart on the same $523,000 home. That is why the county picker moves the payment more than the state picker does.

Insurance is the other line that follows the address: this page prices $3,500 a year as a state-level estimate, and home insurance by state covers how premiums are set and where they run highest. Below 20% down, PMI adds a third variable until the balance is back to 80% of the value.

The states nearest Texas in the ranking are New York (1.55%) and Wisconsin (1.42%).

Texas mortgage FAQ

How much down payment do I need to buy a house in Texas?

Conventional loans start at 3% down, but anything under 20% requires PMI until you reach 20% equity — PMI auto-cancels at 78% of the original home value under the Homeowners Protection Act. FHA loans start at 3.5% down, and VA / USDA loans offer 0% down for eligible borrowers. Those are the national minimums: a lender can set a higher floor for this state or for a given loan size.

Why do property taxes vary so much within Texas?

Property taxes are layered by county, city and school district, so the effective rate differs block by block. The Texas state average is about 1.49%, but counties in our table above range widely — always confirm the exact bill with the local County Assessor.

When does PMI go away?

Under the Homeowners Protection Act (1998) you can request PMI removal at 80% LTV, and lenders must automatically cancel it when the balance reaches 78% of the original home value. This calculator estimates that month for you and shows the lower payment after PMI drops.

Does this calculator include home insurance for Texas?

Yes. The calculator pre-fills a typical Texas premium of about $3,500 per year and updates it when you switch counties. Coastal hurricanes and inland hail (the Dallas–Fort Worth area especially) put premiums among the highest in the country — coastal wind is often placed through TWIA, and flood always requires a separate policy. Get real quotes before budgeting.

More free mortgage tools

affordability calculator — how much house can I afford →refinance calculator — break-even & savings →closing cost calculator — cash to close by state →
Sources

Freddie MacU.S. Census BureauFannie MaeU.S. Department of Housing and Urban Development (HUD)U.S. Department of Veterans AffairsPrivate mortgage insurersNAICState statutes and departments of revenue

Results are estimates for planning only and are not a loan approval. Property tax rates and insurance premiums vary by county, ZIP code, home age and coverage — confirm with the local County Assessor and insurer quotes. Rate default: Freddie Mac PMMS 30-yr fixed (7.32%, Oct 22 2026); the 20-yr default is an estimate derived from the PMMS 30-yr/15-yr spread (PMMS has no 20-yr series). Conventional credit pricing adds Fannie Mae loan-level price adjustments (effective 2026-10-01) on top of that base, anchored at the 740–759 tier, and PMI comes off a credit × LTV rate card — both are central estimates, not quotes. Loan minimums shown here are the national programs' floor; a lender may set a higher down payment, rate or fee for this state or this loan.