Texas (TX) · South Real Estate Profile
Texas Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Texas. In Texas, the effective statewide property tax rate averages 1.68% and homeowners insurance averages 0.95% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax1.68%
Homeowners Insurance0.95%
Median Home Price$315,000
Conforming Loan Limit$766,550
Property Tax Context for Texas: At 1.68%, a median-priced home of $315,000 pays roughly $5,292 per year in property taxes ($441/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Texas Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Texas residents.
Monthly Payment Benchmarks in Texas (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | TX Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $263/mo | $1,359/mo | $58,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $438/mo | $2,265/mo | $97,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $613/mo | $3,171/mo | $136,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $788/mo | $4,077/mo | $175,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $963/mo | $4,983/mo | $214,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $1,312/mo | $6,795/mo | $291,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $1,750/mo | $9,060/mo | $388,000/yr | View schedule → |
Browse all 25 loan amounts in Texas
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in TX$906/mo$150k in TX$1,359/mo$200k in TX$1,812/mo$250k in TX$2,265/mo$300k in TX$2,718/mo$350k in TX$3,171/mo$400k in TX$3,624/mo$450k in TX$4,077/mo$500k in TX$4,530/mo$550k in TX$4,983/mo$600k in TX$5,436/mo$650k in TX$5,889/mo$700k in TX$6,342/mo$750k in TX$6,795/mo$800k in TX$7,248/mo$850k in TX$7,701/mo$900k in TX$8,154/mo$950k in TX$8,607/mo$1 million in TX$9,060/mo$1.1 million in TX$9,966/mo$1.2 million in TX$10,872/mo$1.3 million in TX$11,778/mo$1.4 million in TX$12,684/mo$1.5 million in TX$13,590/mo$2 million in TX$18,121/mo
Explore neighboring South states
Compare mortgage payment benchmarks and property taxes across neighboring South jurisdictions:
Alabama (0.40% tax)View guide →Arkansas (0.62% tax)View guide →District of Columbia (0.57% tax)View guide →Florida (0.86% tax)View guide →Georgia (0.88% tax)View guide →Kentucky (0.83% tax)View guide →
Closing Costs & Transfer Tax in Texas
Texas levies zero real estate transfer tax or mortgage tax; local school districts, counties and MUDs rely entirely on ad valorem property tax.