Calculate Texas mortgage payments including property taxes. Texas has no state income tax but high property taxes. Free TX mortgage calculator.
Texas has no state income tax — a major advantage for homeowners — but some of the highest property tax rates in the US averaging 1.6-2.2% of home value annually. A $350,000 Texas home can add $5,600-$7,700/year in property taxes to your mortgage payment. This calculator includes Texas-specific property tax rates for accurate payment estimates.
Average effective property tax rates in Texas: Harris County Houston 1.82%, Dallas County 2.08%, Travis County Austin 1.95%, Bexar County San Antonio 2.03%, Tarrant County Fort Worth 2.05%. Texas homestead exemption reduces taxable value by $100,000 as of 2025 legislation. This saves $1,600-$2,200/year for qualifying homeowners.
Texas advantages: no state income tax, strong job market, lower home prices than CA or NY. Texas considerations: high property taxes budget 1.8-2.2% annually, high homeowners insurance hurricane and storm zone adds $2,000-4,000/year, no mortgage recording tax, title insurance required. Factor all these into your true monthly cost.
At Texas average 1.8% effective rate: $300,000 × 0.018 = $5,400/year = $450/month. With homestead exemption $100,000 off assessed value: $200,000 × 0.018 = $3,600/year = $300/month. Rates vary by county — enter your specific county rate in our calculator for accurate results.
Texas is favorable for many buyers: no state income tax, strong economy, growing job markets in Austin, Dallas, Houston. Challenges: high property taxes, expensive homeowners insurance, and significant price appreciation in major metros over 2020-2024. Smaller Texas cities and suburbs offer good value in 2026.
Texas median home price approximately $315,000. With 20% down $63,000: $252,000 mortgage at 7% = $1,676/month PI plus $450 taxes plus $150 insurance = $2,276/month PITI. 28% rule requires $98,000 annual income. With FHA 3.5% down: requires less upfront but adds PMI of $100-150/month.
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