Austin Mortgage Calculator

Estimate your monthly payment, including taxes, insurance, and down payment, for any home in the Austin area.

Use our free Austin mortgage calculator to understand what fits your budget before you start touring homes. Whether you're comparing down payment options or exploring neighborhoods, this tool helps you plan confidently with accurate, real-time estimates based on today's Austin housing market.

Connect with a Realty Haus Expert Talk through your numbers with a local agent who understands Austin's market realities.

MORTGAGE CALCULATOR

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Your mortgage payments over 30 years will add up to $0.

Understanding Your Austin Mortgage

Your payment is more than just principal and interest.

Your total monthly payment includes several key components:

  • Principal & Interest: The base loan repayment.
  • Property Taxes: In Austin, expect around 1.7–2.2% of the property's value annually (varies by county).
  • Homeowners Insurance: Typically $1,500–$2,500 per year in Central Texas.
  • PMI (Private Mortgage Insurance): If you put less than 20% down, your lender may require this.
  • HOA Fees: If applicable, some Austin communities include HOA dues.

Why Local Expertise Matters

Mortgage terms vary widely across Austin's neighborhoods — from Pemberton Heights to South Austin. Realty Haus agents collaborate with trusted lenders to help you align your budget with real-world conditions.

Talk Numbers with a Local Expert

Our agents and partner lenders can help you translate these numbers into a real plan — whether you're buying your first home or refinancing. We'll walk you through options, explain trade-offs, and make sure you feel confident every step of the way.

Request a Mortgage Consultation Explore Homes That Fit Your Budget

How to Use the Austin Mortgage Calculator

  1. Enter your home price.

    Start with your target listing or budget.

  2. Adjust your down payment.

    Try 10%, 15%, or 20% to see how your monthly payment changes.

  3. Set your interest rate.

    You can find current averages from your lender or online rate trackers.

  4. Include taxes and insurance.

    Austin property taxes vary by neighborhood — this step gives you a realistic picture.

  5. View your results.

    The calculator updates instantly so you can explore what's comfortable before speaking with a lender.

Tip:

Austin's property tax rate can significantly impact your monthly payment — especially in areas like Travis County and surrounding suburbs.

Common Questions About Austin Mortgages

Most buyers put between 10–20% down, but programs exist for as low as 3%.

Austin's property tax rates vary by neighborhood and school district. The calculator helps estimate the impact based on your home's price.

Yes — just adjust your interest rate slightly higher to reflect non-primary residence loan terms.

HOA fees vary by property and are not automatically included. You can add them manually for a complete estimate.

Your Next Step Starts Here

Estimate your mortgage, explore homes, and connect with an agent, all in one place. Realty Haus is redefining how Austin does real estate, one smart move at a time.

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