There are dozens of mortgage payment calculators online, but none are specifically designed for Texas borrowers.
We’ve taken the time to give you some specific insights on how to accurately estimate your Texas mortgage payment with our calculator.
Given how much property taxes can fluctuate in Texas, we've provided a table below outlining what percentage to use for taxes in your county when calculating your mortgage payment.
When you’re personally ready to get pre-approved or have a mortgage professional run numbers for you, give our team a call or click the “Apply” button at the top of the page. Also, if you’re beginning the process of buying a home, don’t hesitate to check out our detailed guide to buying a house to help you with the steps involved.
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DID YOU KNOW? A mortgage payment is typically comprised of 4 components: the loan payment (P&I or principal and interest), Property Taxes, Homeowner’s Insurance (HOI) and Mortgage Insurance (PMI).
Our calculator will help you estimate all four aspects. Before using the mortgage calculator below, here are a few notes and directions:
PMI for the conventional mortgage are estimates only and should be used for calculating initial payments. Always call one of our loan advisors for more precise estimates
While using a payment calculator to estimate your mortgage is a great first step, once you’re ready to see if you qualify then apply online or give one of our trusted experts a call to help guide you through the process.
Everything is bigger in Texas, including the number of counties. Texas has 254 counties while the next closest state is Georgia with 159.
Note: the state of Texas offers qualifying homeowners a discount on their property taxes through the HomeStead exemption. To qualify, the home must be your principal residence as of January 1 to qualify for the exemption for that year. Contact your county in Texas upon the completed purchase of your home to apply.
Anderson – 1.452% Andrews – 1.203% Angelina – 1.460% Aransas – 1.142% Archer – 1.328% Armstrong – 1.251% Atascoca – 1.491% Austin – 1.428% Bailey – 1.905% Bandera – 1.379% Bastrop – 1.871% Baylor – 1.244% Bee – 1.472% Bell – 1.873% Bexar – 2.097% Blanco – 1.386% Borden - 0.433% Bosque – 1.291% Bowie – 1.459% Brazoria – 1.987% Brazos – 1.851% Brewster - 1.142% Briscoe – 1.228% Brooks – 1.405% Brown – 1.454% Burleson – 1.221% Burnet – 1.361% Caldwell – 1.715% Calhoun – 1.153% Callahan – 1.209% Cameron – 1.784% Camp – 1.388% Carson – 1.335% Cass – 1.239% Castro – 1.688% Chambers – 1.573% Cherokee – 1.340% Childress – 1.409% Clay – 1.551% Cochran – 1.327% Coke – 1.154% Coleman – 1.264% Collin – 2.107% Collingsworth – 1.508% Colorado – 1.291% Comal – 1.397% Comanche – 1.508% Concho – 1.403% Cooke – 1.767% Coryell – 1.721% Cottle – 1.476% Crane - .911% Crockett - .831% Crosby – 1.691% Culberson – 1.755% Dallam – 1.471% Dallas – 2.173% Dawson – 1.701% Deaf Smith – 1.744% Delta – 1.710% Denton – 2.091% DeWitt – 1.134% Dickens – 1.158%
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Dimmit – 1.123% Donley – 1.446% Duval - .890% Eastland – 1.169% Ector – 1.306% Edwards - .944% Ellis – 1.817% El Paso – 2.128% Erath – 1.338% Falls – 1.342% Fannin – 1.525% Fayette – 1.122% Fisher – 1.267% Floyd – 1.235% Foard – 1.509% Fort Bend – 2.386% Franklin – 1.356% Freestone – 1.284% Frio – 1.595% Gaines – 1.225% Galveston – 1.925% Garza - .955% Gillespie – 1.118% Glasscock - .618% Goliad - .919% Gonzales – 1.432% Gray – 1.354% Grayson – 1.638% Gregg – 1.436% Grimes – 1.292% Guadalupe – 1.657% Hale – 1.610% Hall – 1.612% Hamilton – 1.564% Hansford – 1.438% Hardeman – 1.575% Hardin – 1.268% Harris – 2.259% Harrison – 1.151% Hartley – 1.451% Haskell – 1.351% Hays – 2.035% Hemphill – 1.354% Henderson – 1.341% Hidalgo – 1.976% Hill – 1.498% Hockley – 1.504% Hood – 1.194% Hopkins – 1.496% Houston – 1.166% Howard – 1.234% Hudspeth – 1.162% Hunt – 1.738% Hutchison – 1.479% Irion – 1.037% Jack – 1.259% Jackson – 1.434% Jasper - .998% Jeff Davis – 1.096% Jefferson – 1.757% Jim Hogg – 1.022% Jim Wells – 1.199% Johnson – 1.727% Jones – 1.411% |
Karnes – 1.137% Kaufman – 2.081% Kendall – 1.426% Kenedy - .250% Kent - .820% Kerr – 1.340% Kimble – 1.514% King - .861% Kinney – 1.096% Kieberg – 1.765% Knox – 1.685% Lamar – 1.410% Lamb – 1.302% Lampasas – 1.468% La Salle - .762% Lavaca – 1.142% Lee – 1.333% Leon – 1.040% Liberty – 1.709% Limestone – 1.117% Lipscomb – 1.181% Live Oak - .855% Llano – 1.049% Loving – 1.324% Lubbock – 1.754% Lynn – 1.956% McCulloch – 1.196% McLennan – 1.721% McMullen - .905% Madison – 1.234% Marion – 1.022% Martin - .998% Mason - .856% Matagorda – 1.375% Maverick – 1.374% Medina – 1.481% Menard – 1.649% Midland – 1.420% Milam – 1.305% Mills – 1.176% Mitchell – 1.590% Montague – 1.302% Montgomery – 2.008% Moore – 1.355% Morris – 1.253% Motley – 1.130% Nacogdoches - .933% Navarro – 1.595% Newton – 1.064% Nolan – 1.466% Nueces – 1.928% Ochiltree – 1.544% Oldham – 1.691% Orange – 1.476% Palo Pinto – 1.304% Panola – 1.120% Parker – 1.701% Parmer – 1.495% Pecos - .825% Polk – 1.211% Potter – 1.700% Presidio – 1.842% Rains – 1.546% Randall – 1.731% |
Reagan – 1.272% Real - .811% Red River – 1.098% Reeves – 1.436% Refugio – 1.095% Roberts - .952% Robertson – 1.107% Rockwall – 2.101% Runnels – 1.563% Rusk – 1.070% Sabine - .724% San Augustine - .740% San Jacinto – 1.298% San Patricio – 1.763% San Saba – 1.265% Schleicher – 1.048% Scurry – 1.266% Shackelford – 1.831% Shelby - .862% Sherman – 1.535% Smith – 1.373% Somervell - .999% Starr - .913% Stephens – 1.316% Sterling - .958% Stonewall – 1.352% Sutton – 1.310% Swisher – 1.499% Tarrant – 2.321% Taylor – 1.508% Terrell - .724% Terry – 1.397% Throckmorton – 1.315% Titus – 1.366% Tom Green – 1.396% Travis – 1.973% Trinity – 1.004% Tyler – 1.031% Upshur – 1.331% Upton - .662% Uvalde – 1.511% Val Verde – 1.456% Van Zandt – 1.240% Victoria – 1.836% Walker – 1.350% Waller – 1.601% Ward - .638% Washington – 1.376% Webb – 2.317% Wharton – 1.679% Wheeler – 1.083% Wichita – 1.901% Wilbarger – 1.715% Willacy – 1.451% Williamson - 2.170% Wilson – 1.579% Winkler – 1.179% Wise – 1.504% Wood – 1.270% Yoakum – 1.049% Young – 1.420% Zapata - .967% Zavala - .955% |
Disclaimer
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.