Compute your true monthly housing cost (PITI) — principal, interest, property tax, homeowners insurance, and PMI rolled into one payment.
Full PITI for a home with 20% down at 6.5% for 30 years. Property tax uses the national average of 1.20% of home value/year; homeowners insurance uses the national average of $1,500/year. PMI is waived at 20% down. Click “Use this” on any row to open the state-specific mortgage calculator with that home price pre-filled — including your state’s actual property tax and insurance defaults.
| Home price | Loan (20% down) | P&I | Property tax | Insurance | PITI / mo | Apply |
|---|---|---|---|---|---|---|
| $200,000 | $160,000 | $1,010 | $200 | $125 | $1,335 | Use this → |
| $300,000 | $240,000 | $1,517 | $300 | $125 | $1,942 | Use this → |
| $400,000 | $320,000 | $2,019 | $400 | $125 | $2,544 | Use this → |
| $500,000 | $400,000 | $2,528 | $500 | $125 | $3,153 | Use this → |
| $750,000 | $600,000 | $3,793 | $750 | $125 | $4,668 | Use this → |
PITI = Principal + Interest + Taxes + Insurance. Excludes HOA dues and PMI when down payment ≥ 20%. National-average rates; your actual payment will vary by state (effective property tax ranges from 0.28% in Hawaii to 2.49% in New Jersey).
PITI stands for Principal, Interest, Taxes, and Insurance — the four components rolled into most U.S. mortgage payments. Lenders calculate your debt-to-income ratio (DTI) using the full PITI figure, not just the P&I, because that’s the actual amount that leaves your account each month. Most online mortgage calculators only show P&I, which understates the true housing cost by $300–$700 per month for the average U.S. home.
For principal-only / interest-only scenarios (refinance modeling, HELOC comparison, or interest savings from extra payments), the base mortgage calculator breaks out every monthly payment over the full 30-year term. Open the full amortization mortgage calculator →
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
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