The calculator below is pre-filled with Harris County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Texas's statewide figures.

Harris County at a glance

Effective property tax rate: 1.46% of home value / year
Median home price: $329,000
Homeowners insurance (avg/year): $5,391
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-19. FIPS 48201. Full source list on /methodology.

Harris County, TX mortgage payment calculator

All-in cost first, always — pre-filled with Harris County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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Mortgage points calculator

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Related reading

Closing Costs in Texas: What You'll Actually Pay

Texas is constitutionally barred from charging a real estate transfer tax, which is one big reason closing on a $345,000 Texas home can start near $3,450.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Texas at a glance

Median home price: $345,000
Typical closing costs: 1%–3% of price
Transfer tax: None
Closing custom: escrow
Homestead exemption: Texas offers a mandatory general residence homestead exemption for school district taxes: $140,000 of assessed value (Texas Tax Code §11.13(b), increased from $100,000 by a 2026 constitutional amendment). Homeowners age 65+ or disabled qualify for an additional $60,000 school-district exemption (total $200,000). Local taxing units may offer additional optional exemptions (up to 20% of appraised value, minimum $5,000). Once qualified as a homestead, annual increases in appraised value are capped at 10%. Applies automatically in subsequent years once filed once.

First-time buyer / down payment assistance programs

My First Texas Home (TDHCA)
Texas Department of Housing and Community Affairs program offering a below-market 30-year fixed-rate mortgage plus up to 5% down payment/closing cost assistance as a 0%-interest deferred second lien (repaid at sale, refinance, or payoff) for first-time homebuyers and veterans.
Homes for Texas Heroes (TSAHC)
Texas State Affordable Housing Corporation program for teachers, firefighters, police/correctional officers, EMS personnel, and veterans: 30-year fixed mortgage plus down payment assistance and Mortgage Credit Certificates.
Home Sweet Texas Home Loan Program (TSAHC)
Texas State Affordable Housing Corporation program for low- and moderate-income Texas homebuyers generally: 30-year fixed mortgage plus down payment assistance and Mortgage Credit Certificates.
Texas Mortgage Credit Certificate (MCC)
TDHCA program providing a federal tax credit equal to 15% of annual mortgage interest paid (roughly $2,000/year in savings) for eligible first-time homebuyers, usable alongside a first mortgage.