Free calculators
Most mortgage calculators assume a national-average property tax rate near 1.1%. Texas commonly runs closer to 2%, and higher in MUD districts — which means the usual tools quietly understate your payment. These don't.
Choose a calculator
Why we built our own
Punch a Texas home price into a generic mortgage calculator and the monthly figure it returns is often several hundred dollars light. Not because the math is wrong — because the property tax assumption is.
No state income tax means local services run on property taxes, and effective rates rank among the nation's highest. That cost lives in your monthly escrow.
MUD and PID levies in many Texas communities add to the rate. Two homes at the same price in different districts genuinely cost different amounts to own.
Lenders qualify on full PITI, so a higher tax figure shrinks the loan your income supports. Better to learn that here than after you've fallen for a house.
Estimates are a starting point
A calculator uses assumptions. A licensed Texas loan officer uses your actual credit, income, and the real tax rate for the address.
Talk to a loan officerThis is not a commitment to lend. All loans subject to credit approval, income and asset verification, and property appraisal. Rates and terms vary and are not guaranteed.