The whole payment
House Payment Calculator
Your house payment is more than principal and interest. It is those two plus property tax, homeowners insurance, PMI if you put down under 20%, and any HOA dues. This calculator adds it all up so you know the real monthly cost before you fall in love with a listing.
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Your numbers
$
Down payment
%
= $56,250 down · under 20% adds PMI
Loan term
%
This week's US averages: 7.18% for 30-year, 6.57% for 15-year (updated Nov 2026). Your rate depends on credit and lender. Freddie Mac PMMS
Estimated monthly payment
$2,799/mo
Drops to $2,653/mo when PMI ends Sep 2031
Principal
$2529%
Interest
$1,90768%
Property tax
$34412%
Home insurance
$1505%
PMI
$1465%
Loan amount
$318,750
Total interest
$458,606
Total cost
$964,164
principal, interest & fees
Payoff
Jun 2056
30 yr
Over the life of the loan
Loan balance over time
Crossover in year 21, the point where more of each payment builds equity than pays interest.
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Full breakdown
Amortization schedule
Every payment, split into principal and interest. Export it or print a copy.
| Year | Principal | Interest | PMI | Balance |
|---|---|---|---|---|
| 2026 | $1,536 | $11,420 | $877 | $317,214 |
| 2027 | $3,241 | $22,671 | $1,753 | $313,973 |
| 2028 | $3,482 | $22,430 | $1,753 | $310,491 |
| 2029 | $3,740 | $22,172 | $1,753 | $306,751 |
| 2030 | $4,018 | $21,894 | $1,753 | $302,734 |
| 2031 | $4,316 | $21,596 | $1,169 | $298,418 |
| 2032 | $4,636 | $21,276 | $0 | $293,782 |
| 2033 | $4,980 | $20,932 | $0 | $288,802 |
| 2034 | $5,350 | $20,562 | $0 | $283,452 |
| 2035 | $5,747 | $20,165 | $0 | $277,705 |
| 2036 | $6,173 | $19,739 | $0 | $271,532 |
| 2037 | $6,631 | $19,281 | $0 | $264,901 |
| 2038 | $7,123 | $18,789 | $0 | $257,778 |
| 2039 | $7,652 | $18,260 | $0 | $250,126 |
| 2040 | $8,220 | $17,692 | $0 | $241,906 |
| 2041 | $8,830 | $17,082 | $0 | $233,076 |
| 2042 | $9,485 | $16,427 | $0 | $223,591 |
| 2043 | $10,189 | $15,723 | $0 | $213,402 |
| 2044 | $10,945 | $14,967 | $0 | $202,457 |
| 2045 | $11,757 | $14,154 | $0 | $190,699 |
| 2046 | $12,630 | $13,282 | $0 | $178,069 |
| 2047 | $13,567 | $12,345 | $0 | $164,502 |
| 2048 | $14,574 | $11,338 | $0 | $149,928 |
| 2049 | $15,656 | $10,256 | $0 | $134,272 |
| 2050 | $16,817 | $9,094 | $0 | $117,455 |
| 2051 | $18,065 | $7,846 | $0 | $99,389 |
| 2052 | $19,406 | $6,506 | $0 | $79,983 |
| 2053 | $20,846 | $5,066 | $0 | $59,137 |
| 2054 | $22,393 | $3,519 | $0 | $36,744 |
| 2055 | $24,055 | $1,857 | $0 | $12,689 |
| 2056 | $12,689 | $267 | $0 | $0 |
The full picture
Six things that make up a house payment
Break a house payment into its parts and it is easy to plan for: principal and interest from the loan, property tax and homeowners insurance collected into escrow, PMI if your equity is under 20%, and HOA dues for condos and planned communities. The calculator shows each one, so nothing surprises you at closing.
Questions & answers
Frequently asked
What is included in a house payment?
Principal, interest, property tax, homeowners insurance, PMI where it applies, and HOA dues for managed communities. Together they make up your full monthly housing cost.
How much should my house payment be?
A common guide keeps it near 28% of gross monthly income. Enter a price above and compare the payment to your own budget.
Does the payment include utilities?
No. Utilities, maintenance, and repairs are on top of the mortgage payment. Budget for them separately when you plan.
MFHow we calculate →
Marcus Fielding· Mortgage analyst & editor
Published June 2026 · Updated November 2026