Mortgage Payment Calculators for 11 US Cities
Principal and interest follow the same formula everywhere; taxes, insurance and HOA fees make each city's payment different.
A mortgage payment has four main parts — principal, interest, taxes and insurance — plus HOA dues and PMI where they apply. The first two depend only on the loan. The rest depend on where the home is, which is why these calculators start with local defaults for each city.
How mortgage payment calculators compare across the 11 cities
| City | Payment on the typical home | What is different there |
|---|---|---|
| New York City | $6,388 | Typical home $900,000; HOA $900/mo (estimates) |
| San Francisco | $8,873 | Typical home $1,300,000; HOA $750/mo (estimates) |
| Los Angeles | $7,116 | Typical home $1,050,000; HOA $450/mo (estimates) |
| Houston | $2,540 | Typical home $330,000; HOA $60/mo (estimates) |
| Dallas | $3,005 | Typical home $380,000; HOA $70/mo (estimates) |
| Chicago | $2,841 | Typical home $350,000; HOA $400/mo (estimates) |
| Miami | $5,484 | Typical home $600,000; HOA $900/mo (estimates) |
| Atlanta | $3,074 | Typical home $420,000; HOA $250/mo (estimates) |
| Boston | $5,639 | Typical home $800,000; HOA $500/mo (estimates) |
| Seattle | $5,826 | Typical home $900,000; HOA $450/mo (estimates) |
| Washington DC | $4,339 | Typical home $650,000; HOA $500/mo (estimates) |
20% down, 6.5% for 30 years, local tax/insurance/HOA starting estimates.
What makes payments differ
Home prices differ most, but at the same price, property tax and insurance still move the payment by hundreds of dollars a month. Miami's windstorm insurance, Texas property tax and New York condo common charges are examples. Co-op maintenance in NYC bundles the building's property tax and mortgage into one monthly charge.
Using the tools
Replace the defaults with the listing's tax bill, an insurance quote and the HOA budget for the most accurate payment.
Choose your city
San Francisco Mortgage Payment Calculator
Los Angeles Mortgage Payment Calculator
Houston Mortgage Payment Calculator
Dallas Mortgage Payment Calculator
Chicago Mortgage Payment Calculator
Miami Mortgage Payment Calculator
Atlanta Mortgage Payment Calculator
Boston Mortgage Payment Calculator
Seattle Mortgage Payment Calculator
DC Mortgage Payment Calculator
Frequently asked questions
What is PITI?
Principal, interest, taxes and insurance.
When is PMI required?
Usually on conventional loans with less than 20% down.
Can I change the defaults?
Yes, every input is editable.