Mortgage calculator

See your full monthly payment with taxes, insurance and PMI, at this week's average rate (7.32% for 30 years, 6.68% for 15, Freddie Mac, Oct 22, 2026).

Home price

The purchase price you are thinking about.

Down payment

Less than 20% usually means PMI.

Loan length

Switching also loads that loan's average rate.

Interest rate

Freddie Mac weekly average. Your quote depends on credit and points.

Your state (optional)

Fills in the state's typical property tax rate (Tax Foundation) and insurance for $400,000 of dwelling coverage (NerdWallet).

Property tax (% of home value per year)

Check your county's rate for a closer number.

Homeowners insurance

A quote for the actual home is best.

HOA dues

0 if there is no homeowners association.

PMI (% of the loan per year)

Only charged when you put down less than 20%.

Press Calculate to see your payment

Starting values: home price $417,500 = median existing-home price for September 2026 (NAR, via FRED, updated automatically); 10% down = median down payment of first-time buyers (NAR 2025 Profile of Home Buyers and Sellers); property tax 0.90% of value per year = 2025 national average effective rate (ATTOM, Apr 9, 2026); homeowners insurance $2,490 a year = national average for $400,000 of dwelling coverage (NerdWallet, May 6, 2026); PMI 0.98% of the loan per year = midpoint of the typical 0.46% to 1.50% range (Experian citing the Urban Institute, May 7, 2026; midpoint is our calculation); HOA $0 (enter your own). The interest rate is Freddie Mac's weekly PMMS average, filled in automatically. Use your own quotes for a real plan. General information, not financial advice. Rates: Freddie Mac PMMS, week of Oct 22, 2026.