Harris County, TX Mortgage Calculator
Estimate your monthly mortgage payment in Harris County with local property tax rates, homeowners insurance, and 2026 FHA and conforming loan limits.
Local Home Values & Affordability
A 20% down payment on a median Harris County home requires $58,000 in cash — or $10,150 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
Harris County's median home value of $290,000 is close to the national median of $310,000, putting most buyers in the conforming loan range with conventional or FHA options readily available.
Harris County's $290,000 median sits between El Paso County ($195,000) and Travis County ($560,000) within the Texas counties we track.
Property Tax in This Market
Harris County's effective property tax rate of 2.18% is 98% above the 1.10% national average across the markets we track — placing it among the top 5 highest-tax counties in our dataset.
Based on the 2.18% effective rate and a median home value of $290,000, a typical homeowner in Harris County pays approximately $6,322 in annual property taxes — or $527 per month added to their mortgage payment.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in Harris County averages around $3,100/year ($258/month) — roughly 94% above the national average of $1,600.
Premium quotes in Harris County typically range from $2,200 to $4,500 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.
Sources: NAIC 2024
Loan Limits & Financing Options
A buyer purchasing the median Harris County home ($290,000) with FHA's minimum 3.5% down would borrow $279,850 — well within the $541,287 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.
With 20% down on a median-priced home, the loan amount of $232,000 stays $600,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.
All FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, plus an annual MIP of 0.55%–0.75% of the loan balance paid monthly. On a $279,850 FHA loan, expect approximately $128/month in ongoing MIP — added to principal, interest, taxes, and insurance.
Sources: HUD ML 2025-23, FHFA 2026, HUD MIP Rates 2023
Extra Monthly Payment
Estimated Monthly Payment
$2,321
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
Loan Amount: $232,000
LTV: 0.01%
P&I Payment
$1,536
Total Interest
$320,859
over loan life
Payoff
30 yr
Closing Costs
$4,064–$7,585
est. range
Monthly Payment Breakdown
2026 Loan Limit Context
FHA Limit
$541,287
Conforming Limit
$832,750
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,536 | $192 | $1,344 | $231,808 | $1,344 |
| 2 | $1,536 | $193 | $1,343 | $231,615 | $2,686 |
| 3 | $1,536 | $194 | $1,341 | $231,421 | $4,028 |
| 4 | $1,536 | $195 | $1,340 | $231,225 | $5,368 |
| 5 | $1,536 | $197 | $1,339 | $231,029 | $6,707 |
| 6 | $1,536 | $198 | $1,338 | $230,831 | $8,045 |
| 7 | $1,536 | $199 | $1,337 | $230,632 | $9,382 |
| 8 | $1,536 | $200 | $1,336 | $230,432 | $10,718 |
| 9 | $1,536 | $201 | $1,335 | $230,231 | $12,052 |
| 10 | $1,536 | $202 | $1,333 | $230,029 | $13,386 |
| 11 | $1,536 | $203 | $1,332 | $229,825 | $14,718 |
| 12 | $1,536 | $205 | $1,331 | $229,621 | $16,049 |
2026 Loan Limits — Harris County, TX
| Limit Type | 2026 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
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