Mortgage Calculator USA 2026
Calculate your full USA 2026 monthly mortgage payment including principal, interest, property tax and homeowners insurance — priced by state.
Project details
All prices in USD $ · 2026 USA averages.
Estimated cost
Estimated monthly payment
$3,508
Range: $3,438 – $3,683
$400,000 loan @ 6.8% for 30 yrs in TX
Cost breakdown
| Principal & interest | $2,607.70 |
| Property tax (monthly) | $750.00 |
| Homeowners insurance (monthly) | $150.00 |
| Total monthly payment | $3,507.70 |
| Total interest over life of loan | $538,772 |
Get 3 Mortgage Quotes
Compare 3 vetted USA lenders. Free, no obligation, no impact on credit.
Disclaimer: Rates as of 2026. Estimates use 2026 USA average mortgage rates, state property tax and insurance data. Actual rates, fees and payments depend on lender, credit score, loan program and property. Consult a licensed loan officer before locking a rate.
Frequently asked questions
What is included in a monthly mortgage payment?
Principal, interest, property tax and homeowners insurance (PITI). Add PMI if your down payment is under 20%.
What is a good mortgage rate in 2026?
USA 30-year fixed averages 6.5–7.2% in 2026. Excellent credit (760+) can secure rates near 6.25%.
Should I choose 15 or 30 years?
15-year loans save 50–60% in total interest but come with ~40% higher monthly payments. Choose based on budget flexibility.