Most home searches start with a price. Yours starts with the number you actually pay every month. Tell us your budget and we show you Houston homes whose full payment fits it, taxes, insurance, HOA and mortgage insurance included.
Enter your maximum monthly payment and available cash, then press Show homes that fit.
We will confirm the real number for your situation, including the exact tax rate and insurance for any home on this list, and tell you what you actually qualify for. No cost, no obligation.
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The loan payment itself. This is the only piece most calculators show you, and in Houston it is often barely half of what you actually pay.
Texas has no state income tax and high property taxes to match. We use each listing's own combined tax rate from the MLS where it is published, and we calculate on the purchase price rather than the current assessed value, because Texas reassesses close to the sale price after you buy. A new build assessed on bare land will show a small tax bill this year and a much bigger one next year.
A lot of Houston area growth sits inside a MUD or similar district that adds to the tax rate to pay for water, sewer and drainage. Where a listing's rate sits above its county's no district baseline, we show the difference as an estimated utility district portion so you can see it instead of discovering it at closing.
Estimated from home value, with a floor. Houston premiums are driven by hail, wind and roof age, and coastal counties run higher than the inland default we start with.
Taken from the listing where the MLS publishes a fee, normalized to a monthly figure. Many Houston HOA fees are reported annually, so a raw number can look twelve times smaller than it is.
Conventional loans carry PMI until you reach twenty percent equity, and the cost varies with your down payment and credit. FHA carries mortgage insurance regardless. VA has none, which is why a VA payment on the same house is lower.
These are estimates, not an offer of credit. Payments shown are calculated from listing data and the assumptions above. Actual taxes, insurance, HOA dues and mortgage insurance vary by property and by borrower, and your interest rate depends on your credit, the loan program, the property and market conditions. Nothing here is a rate lock, a pre approval or a commitment to lend. Listing information comes from the Houston Association of Realtors and is believed accurate but is not guaranteed.
Ben Helstein, Texas Real Estate Broker TREC #727703-B, NMLS #1577314. InSync Loans NMLS #1829321. Equal Housing Opportunity.