The complete Texas payment — principal, interest, Texas property taxes, and insurance. Free, no sign-up.
Calculate my Texas payment →Most calculators show principal and interest and stop there. In Texas, that leaves out roughly $842 a month in property taxes and insurance on a typical $400,000 home — the difference between the payment you planned for and the one you'll actually make. This calculator shows the full PITI: Principal, Interest, Taxes, and Insurance, with Texas's typical rates loaded automatically. Worth knowing about Texas: no state income tax, which is part of why property taxes carry more of the load; and insurance premiums here have risen sharply in recent years — get a real quote early, because quotes vary widely between insurers.
Statewide averages are a starting point — Texas counties and towns vary. Enter a property address in the calculator and it pulls that home's actual county tax record, so you're budgeting on the real number, not an estimate. You can also compare up to three Texas homes side by side, complete with each one's taxes, insurance, and HOA.