Mortgage Payment Estimates for Texas by Home Price
The true monthly payment on a home is rarely what lenders quote upfront. Below are the full PITI estimates — principal, interest, property tax, and insurance — for eight home prices in Texas, at both 20% and 10% down. Pick a price to see the complete breakdown, income requirements, and 15- vs. 30-year comparison.
| Home Price | PITI (20% down) | PITI (10% down) | Details |
|---|---|---|---|
| $200,000 | $1,646/mo | $1,899/mo | Full breakdown → |
| $250,000 | $1,971/mo | $2,287/mo | Full breakdown → |
| $300,000 | $2,296/mo | $2,675/mo | Full breakdown → |
| $350,000 | $2,622/mo | $3,064/mo | Full breakdown → |
| $400,000 | $2,947/mo | $3,452/mo | Full breakdown → |
| $500,000 | $3,597/mo | $4,229/mo | Full breakdown → |
| $600,000 | $4,248/mo | $5,005/mo | Full breakdown → |
| $750,000 | $5,223/mo | $6,170/mo | Full breakdown → |
Rate: 6.4% (Freddie Mac Primary Mortgage Market Survey). Property tax: 1.8% effective rate (Tax Foundation State Data 2024). Insurance: $4,142/yr (Insurance.com Rate Analysis 2026).