Loan Tax CalculatorMortgage · Property tax · Deductions
Know the true cost of your home.
Estimate your monthly payment, property tax, and interest deduction with documented formulas. Every figure shows its assumptions and tax year.
- Documented formulas with cited IRS sources
- Effective property tax rates for all 50 states + DC
- Estimates only — no lender steering, ever
Estimated monthly payment
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- Loan amount
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- Total interest
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- Total of payments
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Principal and interest only, first-payment split shown. Property tax, insurance, and PMI are extra.
- 1Enter your numbers
Price, rate, and term. Results update as you type.
- 2Check the assumptions
Each result names its formula and tax year.
- 3Go deeper
Add property tax, PMI, or deductions with the tools below.
Tools
More homeowner calculators
Property tax, PMI, refinancing, closing costs, and more — each with a worked example and the formula behind it.
Property Tax Calculator
Estimate annual and monthly property tax payments based on home value, local assessment rates, and millage rates. Includes state-specific tax calculations.
Open calculator →Refinance Savings Calculator
Compare your current mortgage to a refinance option. Calculate break-even points, total interest savings, and monthly payment changes.
Open calculator →Mortgage Interest Deduction Calculator
Estimate your annual mortgage interest deduction. Determine if itemizing deductions is beneficial compared to the standard deduction.
Open calculator →PMI Calculator
Calculate Private Mortgage Insurance costs based on your loan amount, down payment, and credit score. See monthly PMI payments and when you can remove it.
Open calculator →Affordability Calculator
Determine how much house you can afford based on your income, existing debts, and desired monthly payment. Uses standard debt-to-income ratios.
Open calculator →Extra Payments Calculator
See how additional principal payments accelerate your mortgage payoff and reduce total interest paid. Calculate savings from bi-weekly or lump-sum payments.
Open calculator →Closing Costs Calculator
Estimate all closing costs for your home purchase including lender fees, settlement charges, title insurance, and prepaid expenses.
Open calculator →Escrow Calculator
Calculate your estimated monthly escrow payment for property taxes, homeowners insurance, HOA fees, and PMI. Understand your complete monthly housing cost.
Open calculator →
Property tax
Where property tax bites least
Effective rates are state averages on median-value homes. Local rates vary by county — open your state for a tailored estimate.
Compare all 51 ratesGuides
The rules behind the numbers
Plain-English explanations of deductions, PMI, refinancing, and closing costs — with current thresholds and linked calculators.
- Taxes
Mortgage Interest Deduction Guide
Learn how to claim the mortgage interest deduction on your taxes. Understand the debt limits, itemization requirements, and how this deduction affects your tax liability.
Read the guide → - Mortgages
PMI (Private Mortgage Insurance) Guide
Understand what PMI is, when it's required, how much it costs, and when you can remove it. Learn about alternatives to PMI and factors that affect your PMI rate.
Read the guide → - Refinancing
Refinancing Your Mortgage Guide
Comprehensive guide to mortgage refinancing. Learn when to refinance, how to calculate savings, understand closing costs, and explore different refinance options.
Read the guide →