Free Tool · No Credit Check · Texas (TX)
Texas Mortgage Calculator
Estimate your monthly mortgage payment in Texas — with local property tax rates pre-filled. Includes FHA, VA, USDA, and conventional loans, full PITI breakdown, and amortization schedule. No credit check. No sign-up.
Calculate your Texas mortgage payment
Defaults use Texas's average property tax rate of 1.74%. Adjust to your specific area.
- ✓Full PITI breakdown — Principal, Interest, Taxes & Insurance
- ✓FHA, VA, USDA & Conventional loan types
- ✓Complete amortization schedule included
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Buying a Home in Texas
Texas has no state income tax, but property taxes are among the highest in the nation — averaging 1.74% of home value. Factor this into your payment estimate. County and city tax rates vary significantly; your actual tax escrow will be based on your specific property's assessed value.
Harris Capital Mortgage Group (NMLS# 1918223) is a licensed mortgage lender serving Texas. Our loan officers know the Texas market and can give you a precise payment estimate based on the actual property and your credit profile — not just a calculator estimate.
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Texas Mortgage — Common Questions
What is the property tax rate in Texas?
Texas's average effective property tax rate is approximately 1.74% of home value annually. Tax rates vary by county — your actual property tax will be based on the specific county and municipality where you buy. Your HCMG loan officer will give you an estimate based on the actual property.
What is the conforming loan limit in Texas?
The 2024 conforming loan limit in most of Texas is $766,550. Loans below this amount qualify for conventional (Fannie/Freddie) financing. Amounts above this limit are jumbo loans and have different qualification requirements.
Does HCMG lend in Texas?
Yes. Harris Capital Mortgage Group (NMLS# 1918223) is licensed to lend in Texas. Our loan officers are familiar with Texas's local market, property tax structure, and available assistance programs.