$1,800,000 mortgage at 7.75%

$12,895.42/month principal and interest

$2,842,351 total interest over 30 years

Principal $1,800,000 Interest $2,842,351. 61¢ of every dollar paid goes to interest.

30-year fixed at 7.75%. At this week's 7.03% average the payment would be $12,011.73 (+$883.69 a month at 7.75%).

Source: Freddie Mac Primary Mortgage Market Survey, week of September 24, 2026. An average, not an offer.

Payment on $1,800,000 at nearby rates

30-year fixed; difference compared with this week's average
Rate	Monthly payment	Difference	Total interest
6.75%	$11,674.77	−$336.97	$2,402,916
7.00%	$11,975.44	−$36.29	$2,511,160
7.03% this week's average	$12,011.73	$0.00	$2,524,224
7.25%	$12,279.17	+$267.44	$2,620,502
7.50%	$12,585.86	+$574.13	$2,730,910
7.75% this page	$12,895.42	+$883.69	$2,842,351
8.00%	$13,207.76	+$1,196.03	$2,954,794
8.25%	$13,522.80	+$1,511.07	$3,068,208
8.50%	$13,840.44	+$1,828.71	$3,182,559
8.75%	$14,160.61	+$2,148.87	$3,297,819

Other terms at 7.75%

Term	Rate	Monthly payment	Total interest	Total paid
15-year fixed	7.75%	$16,942.96	$1,249,733	$3,049,733
20-year fixed	7.75%	$14,777.07	$1,746,498	$3,546,498
30-year fixed	7.75%	$12,895.42	$2,842,351	$4,642,351

With taxes

Assumes the $1,800,000 loan is 80% of a $2,250,000 purchase (20% down, so no PMI).
Principal and interest	$12,895.42
Property tax 0.78% a year, estimate	$1,462.50
Homeowners insurance	not included
Monthly total	$14,357.92

Estimate: the median of the 32 state rates we have sourced. Insurance is left out because we have no sourced average for this estimate yet; add your own quote.

Income needed

To keep the $14,357.92 monthly housing cost at 28% of gross income, you'd need about $615,339 a year. Lenders also cap total debt payments near 36% of income, so car and student loan payments reduce what you can borrow.

Amortization schedule

For the first 21 years 1 month, more of each payment goes to interest than to principal. From payment 254 on, principal takes the larger share.

First 12 months

Amortization schedule for a $1,800,000 mortgage at 7.75% over 30 years, months 1–12; each payment $12,895.42
Month	Principal	Interest	Balance
1	$1,270.42	$11,625.00	$1,798,729.58
2	$1,278.63	$11,616.80	$1,797,450.95
3	$1,286.88	$11,608.54	$1,796,164.07
4	$1,295.19	$11,600.23	$1,794,868.88
5	$1,303.56	$11,591.86	$1,793,565.32
6	$1,311.98	$11,583.44	$1,792,253.34
7	$1,320.45	$11,574.97	$1,790,932.89
8	$1,328.98	$11,566.44	$1,789,603.91
9	$1,337.56	$11,557.86	$1,788,266.35
10	$1,346.20	$11,549.22	$1,786,920.15
11	$1,354.89	$11,540.53	$1,785,565.25
12	$1,363.64	$11,531.78	$1,784,201.61

Year by year

Totals for each loan year
Year	Principal	Interest	Balance at year end
1	$15,798	$138,947	$1,784,202
2	$17,067	$137,678	$1,767,134
3	$18,438	$136,307	$1,748,696
4	$19,919	$134,826	$1,728,778
5	$21,518	$133,227	$1,707,259
6	$23,247	$131,498	$1,684,013
7	$25,114	$129,631	$1,658,899
8	$27,131	$127,614	$1,631,768
9	$29,310	$125,435	$1,602,459
10	$31,664	$123,082	$1,570,795
11	$34,207	$120,539	$1,536,589
12	$36,954	$117,791	$1,499,635
13	$39,922	$114,823	$1,459,713
14	$43,128	$111,617	$1,416,585
15	$46,592	$108,153	$1,369,994
16	$50,333	$104,412	$1,319,660
17	$54,376	$100,369	$1,265,285
18	$58,743	$96,002	$1,206,542
19	$63,461	$91,284	$1,143,081
20	$68,558	$86,187	$1,074,523
21	$74,064	$80,681	$1,000,460
22	$80,012	$74,733	$920,448
23	$86,438	$68,307	$834,010
24	$93,380	$61,365	$740,630
25	$100,880	$53,865	$639,750
26	$108,982	$45,764	$530,769
27	$117,734	$37,011	$413,035
28	$127,190	$27,555	$285,845
29	$137,405	$17,340	$148,440
30	$148,440	$6,305	$0
Total	$1,800,000	$2,842,351	$0

Full schedule, all 360 payments

Amortization schedule for a $1,800,000 mortgage at 7.75% over 30 years, every payment
Month	Principal	Interest	Balance
1	1,270.42	11,625.00	1,798,729.58
2	1,278.63	11,616.80	1,797,450.95
3	1,286.88	11,608.54	1,796,164.07
4	1,295.19	11,600.23	1,794,868.88
5	1,303.56	11,591.86	1,793,565.32
6	1,311.98	11,583.44	1,792,253.34
7	1,320.45	11,574.97	1,790,932.89
8	1,328.98	11,566.44	1,789,603.91
9	1,337.56	11,557.86	1,788,266.35
10	1,346.20	11,549.22	1,786,920.15
11	1,354.89	11,540.53	1,785,565.25
12	1,363.64	11,531.78	1,784,201.61
13	1,372.45	11,522.97	1,782,829.16
14	1,381.32	11,514.10	1,781,447.84
15	1,390.24	11,505.18	1,780,057.61
16	1,399.22	11,496.21	1,778,658.39
17	1,408.25	11,487.17	1,777,250.14
18	1,417.35	11,478.07	1,775,832.79
19	1,426.50	11,468.92	1,774,406.29
20	1,435.71	11,459.71	1,772,970.58
21	1,444.99	11,450.43	1,771,525.59
22	1,454.32	11,441.10	1,770,071.28
23	1,463.71	11,431.71	1,768,607.57
24	1,473.16	11,422.26	1,767,134.40
25	1,482.68	11,412.74	1,765,651.73
26	1,492.25	11,403.17	1,764,159.47
27	1,501.89	11,393.53	1,762,657.58
28	1,511.59	11,383.83	1,761,145.99
29	1,521.35	11,374.07	1,759,624.64
30	1,531.18	11,364.24	1,758,093.46
31	1,541.07	11,354.35	1,756,552.39
32	1,551.02	11,344.40	1,755,001.37
33	1,561.04	11,334.38	1,753,440.34
34	1,571.12	11,324.30	1,751,869.22
35	1,581.27	11,314.16	1,750,287.95
36	1,591.48	11,303.94	1,748,696.48
37	1,601.76	11,293.66	1,747,094.72
38	1,612.10	11,283.32	1,745,482.62
39	1,622.51	11,272.91	1,743,860.11
40	1,632.99	11,262.43	1,742,227.12
41	1,643.54	11,251.88	1,740,583.58
42	1,654.15	11,241.27	1,738,929.43
43	1,664.83	11,230.59	1,737,264.60
44	1,675.59	11,219.83	1,735,589.01
45	1,686.41	11,209.01	1,733,902.60
46	1,697.30	11,198.12	1,732,205.30
47	1,708.26	11,187.16	1,730,497.04
48	1,719.29	11,176.13	1,728,777.75
49	1,730.40	11,165.02	1,727,047.35
50	1,741.57	11,153.85	1,725,305.78
51	1,752.82	11,142.60	1,723,552.96
52	1,764.14	11,131.28	1,721,788.82
53	1,775.53	11,119.89	1,720,013.28
54	1,787.00	11,108.42	1,718,226.28
55	1,798.54	11,096.88	1,716,427.74
56	1,810.16	11,085.26	1,714,617.58
57	1,821.85	11,073.57	1,712,795.73
58	1,833.61	11,061.81	1,710,962.12
59	1,845.46	11,049.96	1,709,116.66
60	1,857.38	11,038.05	1,707,259.28
61	1,869.37	11,026.05	1,705,389.91
62	1,881.44	11,013.98	1,703,508.47
63	1,893.59	11,001.83	1,701,614.87
64	1,905.82	10,989.60	1,699,709.05
65	1,918.13	10,977.29	1,697,790.92
66	1,930.52	10,964.90	1,695,860.40
67	1,942.99	10,952.43	1,693,917.41
68	1,955.54	10,939.88	1,691,961.87
69	1,968.17	10,927.25	1,689,993.70
70	1,980.88	10,914.54	1,688,012.83
71	1,993.67	10,901.75	1,686,019.16
72	2,006.55	10,888.87	1,684,012.61
73	2,019.51	10,875.91	1,681,993.10
74	2,032.55	10,862.87	1,679,960.55
75	2,045.68	10,849.75	1,677,914.88
76	2,058.89	10,836.53	1,675,855.99
77	2,072.18	10,823.24	1,673,783.81
78	2,085.57	10,809.85	1,671,698.24
79	2,099.04	10,796.38	1,669,599.21
80	2,112.59	10,782.83	1,667,486.61
81	2,126.24	10,769.18	1,665,360.38
82	2,139.97	10,755.45	1,663,220.41
83	2,153.79	10,741.63	1,661,066.62
84	2,167.70	10,727.72	1,658,898.92
85	2,181.70	10,713.72	1,656,717.22
86	2,195.79	10,699.63	1,654,521.44
87	2,209.97	10,685.45	1,652,311.47
88	2,224.24	10,671.18	1,650,087.22
89	2,238.61	10,656.81	1,647,848.62
90	2,253.06	10,642.36	1,645,595.55
91	2,267.62	10,627.80	1,643,327.94
92	2,282.26	10,613.16	1,641,045.68
93	2,297.00	10,598.42	1,638,748.68
94	2,311.84	10,583.59	1,636,436.84
95	2,326.77	10,568.65	1,634,110.07
96	2,341.79	10,553.63	1,631,768.28
97	2,356.92	10,538.50	1,629,411.37
98	2,372.14	10,523.28	1,627,039.23
99	2,387.46	10,507.96	1,624,651.77
100	2,402.88	10,492.54	1,622,248.89
101	2,418.40	10,477.02	1,619,830.49
102	2,434.02	10,461.41	1,617,396.48
103	2,449.73	10,445.69	1,614,946.74
104	2,465.56	10,429.86	1,612,481.19
105	2,481.48	10,413.94	1,609,999.71
106	2,497.51	10,397.91	1,607,502.20
107	2,513.64	10,381.79	1,604,988.57
108	2,529.87	10,365.55	1,602,458.70
109	2,546.21	10,349.21	1,599,912.49
110	2,562.65	10,332.77	1,597,349.84
111	2,579.20	10,316.22	1,594,770.63
112	2,595.86	10,299.56	1,592,174.77
113	2,612.62	10,282.80	1,589,562.15
114	2,629.50	10,265.92	1,586,932.65
115	2,646.48	10,248.94	1,584,286.17
116	2,663.57	10,231.85	1,581,622.60
117	2,680.77	10,214.65	1,578,941.82
118	2,698.09	10,197.33	1,576,243.74
119	2,715.51	10,179.91	1,573,528.22
120	2,733.05	10,162.37	1,570,795.17
121	2,750.70	10,144.72	1,568,044.47
122	2,768.47	10,126.95	1,565,276.00
123	2,786.35	10,109.07	1,562,489.66
124	2,804.34	10,091.08	1,559,685.32
125	2,822.45	10,072.97	1,556,862.86
126	2,840.68	10,054.74	1,554,022.18
127	2,859.03	10,036.39	1,551,163.16
128	2,877.49	10,017.93	1,548,285.66
129	2,896.08	9,999.34	1,545,389.59
130	2,914.78	9,980.64	1,542,474.81
131	2,933.60	9,961.82	1,539,541.21
132	2,952.55	9,942.87	1,536,588.66
133	2,971.62	9,923.80	1,533,617.04
134	2,990.81	9,904.61	1,530,626.23
135	3,010.13	9,885.29	1,527,616.10
136	3,029.57	9,865.85	1,524,586.53
137	3,049.13	9,846.29	1,521,537.40
138	3,068.82	9,826.60	1,518,468.58
139	3,088.64	9,806.78	1,515,379.93
140	3,108.59	9,786.83	1,512,271.34
141	3,128.67	9,766.75	1,509,142.67
142	3,148.87	9,746.55	1,505,993.80
143	3,169.21	9,726.21	1,502,824.59
144	3,189.68	9,705.74	1,499,634.91
145	3,210.28	9,685.14	1,496,424.63
146	3,231.01	9,664.41	1,493,193.62
147	3,251.88	9,643.54	1,489,941.74
148	3,272.88	9,622.54	1,486,668.86
149	3,294.02	9,601.40	1,483,374.85
150	3,315.29	9,580.13	1,480,059.55
151	3,336.70	9,558.72	1,476,722.85
152	3,358.25	9,537.17	1,473,364.60
153	3,379.94	9,515.48	1,469,984.66
154	3,401.77	9,493.65	1,466,582.89
155	3,423.74	9,471.68	1,463,159.15
156	3,445.85	9,449.57	1,459,713.30
157	3,468.11	9,427.32	1,456,245.19
158	3,490.50	9,404.92	1,452,754.69
159	3,513.05	9,382.37	1,449,241.64
160	3,535.73	9,359.69	1,445,705.91
161	3,558.57	9,336.85	1,442,147.34
162	3,581.55	9,313.87	1,438,565.79
163	3,604.68	9,290.74	1,434,961.10
164	3,627.96	9,267.46	1,431,333.14
165	3,651.39	9,244.03	1,427,681.75
166	3,674.98	9,220.44	1,424,006.77
167	3,698.71	9,196.71	1,420,308.06
168	3,722.60	9,172.82	1,416,585.46
169	3,746.64	9,148.78	1,412,838.82
170	3,770.84	9,124.58	1,409,067.99
171	3,795.19	9,100.23	1,405,272.80
172	3,819.70	9,075.72	1,401,453.10
173	3,844.37	9,051.05	1,397,608.73
174	3,869.20	9,026.22	1,393,739.53
175	3,894.19	9,001.23	1,389,845.35
176	3,919.34	8,976.08	1,385,926.01
177	3,944.65	8,950.77	1,381,981.36
178	3,970.12	8,925.30	1,378,011.24
179	3,995.76	8,899.66	1,374,015.47
180	4,021.57	8,873.85	1,369,993.90
181	4,047.54	8,847.88	1,365,946.36
182	4,073.68	8,821.74	1,361,872.68
183	4,099.99	8,795.43	1,357,772.68
184	4,126.47	8,768.95	1,353,646.21
185	4,153.12	8,742.30	1,349,493.09
186	4,179.94	8,715.48	1,345,313.14
187	4,206.94	8,688.48	1,341,106.21
188	4,234.11	8,661.31	1,336,872.10
189	4,261.45	8,633.97	1,332,610.64
190	4,288.98	8,606.44	1,328,321.66
191	4,316.68	8,578.74	1,324,004.99
192	4,344.55	8,550.87	1,319,660.43
193	4,372.61	8,522.81	1,315,287.82
194	4,400.85	8,494.57	1,310,886.97
195	4,429.28	8,466.14	1,306,457.69
196	4,457.88	8,437.54	1,301,999.81
197	4,486.67	8,408.75	1,297,513.14
198	4,515.65	8,379.77	1,292,997.49
199	4,544.81	8,350.61	1,288,452.68
200	4,574.16	8,321.26	1,283,878.51
201	4,603.71	8,291.72	1,279,274.81
202	4,633.44	8,261.98	1,274,641.37
203	4,663.36	8,232.06	1,269,978.01
204	4,693.48	8,201.94	1,265,284.53
205	4,723.79	8,171.63	1,260,560.74
206	4,754.30	8,141.12	1,255,806.44
207	4,785.00	8,110.42	1,251,021.44
208	4,815.91	8,079.51	1,246,205.53
209	4,847.01	8,048.41	1,241,358.52
210	4,878.31	8,017.11	1,236,480.21
211	4,909.82	7,985.60	1,231,570.39
212	4,941.53	7,953.89	1,226,628.86
213	4,973.44	7,921.98	1,221,655.42
214	5,005.56	7,889.86	1,216,649.86
215	5,037.89	7,857.53	1,211,611.97
216	5,070.43	7,824.99	1,206,541.54
217	5,103.17	7,792.25	1,201,438.37
218	5,136.13	7,759.29	1,196,302.24
219	5,169.30	7,726.12	1,191,132.93
220	5,202.69	7,692.73	1,185,930.25
221	5,236.29	7,659.13	1,180,693.96
222	5,270.11	7,625.32	1,175,423.85
223	5,304.14	7,591.28	1,170,119.71
224	5,338.40	7,557.02	1,164,781.31
225	5,372.87	7,522.55	1,159,408.44
226	5,407.57	7,487.85	1,154,000.87
227	5,442.50	7,452.92	1,148,558.37
228	5,477.65	7,417.77	1,143,080.72
229	5,513.02	7,382.40	1,137,567.70
230	5,548.63	7,346.79	1,132,019.07
231	5,584.46	7,310.96	1,126,434.60
232	5,620.53	7,274.89	1,120,814.07
233	5,656.83	7,238.59	1,115,157.24
234	5,693.36	7,202.06	1,109,463.88
235	5,730.13	7,165.29	1,103,733.75
236	5,767.14	7,128.28	1,097,966.61
237	5,804.39	7,091.03	1,092,162.22
238	5,841.87	7,053.55	1,086,320.35
239	5,879.60	7,015.82	1,080,440.75
240	5,917.57	6,977.85	1,074,523.17
241	5,955.79	6,939.63	1,068,567.38
242	5,994.26	6,901.16	1,062,573.13
243	6,032.97	6,862.45	1,056,540.16
244	6,071.93	6,823.49	1,050,468.22
245	6,111.15	6,784.27	1,044,357.08
246	6,150.61	6,744.81	1,038,206.46
247	6,190.34	6,705.08	1,032,016.13
248	6,230.32	6,665.10	1,025,785.81
249	6,270.55	6,624.87	1,019,515.26
250	6,311.05	6,584.37	1,013,204.21
251	6,351.81	6,543.61	1,006,852.40
252	6,392.83	6,502.59	1,000,459.56
253	6,434.12	6,461.30	994,025.44
254	6,475.67	6,419.75	987,549.77
255	6,517.49	6,377.93	981,032.28
256	6,559.59	6,335.83	974,472.69
257	6,601.95	6,293.47	967,870.74
258	6,644.59	6,250.83	961,226.15
259	6,687.50	6,207.92	954,538.65
260	6,730.69	6,164.73	947,807.96
261	6,774.16	6,121.26	941,033.80
262	6,817.91	6,077.51	934,215.89
263	6,861.94	6,033.48	927,353.94
264	6,906.26	5,989.16	920,447.68
265	6,950.86	5,944.56	913,496.82
266	6,995.75	5,899.67	906,501.07
267	7,040.93	5,854.49	899,460.13
268	7,086.41	5,809.01	892,373.73
269	7,132.17	5,763.25	885,241.55
270	7,178.24	5,717.19	878,063.32
271	7,224.59	5,670.83	870,838.72
272	7,271.25	5,624.17	863,567.47
273	7,318.21	5,577.21	856,249.26
274	7,365.48	5,529.94	848,883.78
275	7,413.05	5,482.37	841,470.73
276	7,460.92	5,434.50	834,009.81
277	7,509.11	5,386.31	826,500.70
278	7,557.60	5,337.82	818,943.10
279	7,606.41	5,289.01	811,336.69
280	7,655.54	5,239.88	803,681.15
281	7,704.98	5,190.44	795,976.17
282	7,754.74	5,140.68	788,221.43
283	7,804.82	5,090.60	780,416.60
284	7,855.23	5,040.19	772,561.38
285	7,905.96	4,989.46	764,655.41
286	7,957.02	4,938.40	756,698.39
287	8,008.41	4,887.01	748,689.98
288	8,060.13	4,835.29	740,629.85
289	8,112.19	4,783.23	732,517.67
290	8,164.58	4,730.84	724,353.09
291	8,217.31	4,678.11	716,135.78
292	8,270.38	4,625.04	707,865.41
293	8,323.79	4,571.63	699,541.62
294	8,377.55	4,517.87	691,164.07
295	8,431.65	4,463.77	682,732.42
296	8,486.11	4,409.31	674,246.31
297	8,540.91	4,354.51	665,705.40
298	8,596.07	4,299.35	657,109.32
299	8,651.59	4,243.83	648,457.73
300	8,707.46	4,187.96	639,750.27
301	8,763.70	4,131.72	630,986.57
302	8,820.30	4,075.12	622,166.27
303	8,877.26	4,018.16	613,289.01
304	8,934.60	3,960.82	604,354.41
305	8,992.30	3,903.12	595,362.11
306	9,050.37	3,845.05	586,311.74
307	9,108.82	3,786.60	577,202.92
308	9,167.65	3,727.77	568,035.26
309	9,226.86	3,668.56	558,808.40
310	9,286.45	3,608.97	549,521.96
311	9,346.42	3,549.00	540,175.53
312	9,406.79	3,488.63	530,768.74
313	9,467.54	3,427.88	521,301.21
314	9,528.68	3,366.74	511,772.52
315	9,590.22	3,305.20	502,182.30
316	9,652.16	3,243.26	492,530.14
317	9,714.50	3,180.92	482,815.64
318	9,777.24	3,118.18	473,038.41
319	9,840.38	3,055.04	463,198.03
320	9,903.93	2,991.49	453,294.09
321	9,967.90	2,927.52	443,326.20
322	10,032.27	2,863.15	433,293.92
323	10,097.06	2,798.36	423,196.86
324	10,162.27	2,733.15	413,034.59
325	10,227.91	2,667.52	402,806.68
326	10,293.96	2,601.46	392,512.72
327	10,360.44	2,534.98	382,152.28
328	10,427.35	2,468.07	371,724.92
329	10,494.70	2,400.72	361,230.23
330	10,562.48	2,332.95	350,667.75
331	10,630.69	2,264.73	340,037.06
332	10,699.35	2,196.07	329,337.71
333	10,768.45	2,126.97	318,569.27
334	10,837.99	2,057.43	307,731.27
335	10,907.99	1,987.43	296,823.28
336	10,978.44	1,916.98	285,844.85
337	11,049.34	1,846.08	274,795.51
338	11,120.70	1,774.72	263,674.81
339	11,192.52	1,702.90	252,482.29
340	11,264.81	1,630.61	241,217.48
341	11,337.56	1,557.86	229,879.92
342	11,410.78	1,484.64	218,469.14
343	11,484.47	1,410.95	206,984.67
344	11,558.64	1,336.78	195,426.03
345	11,633.29	1,262.13	183,792.73
346	11,708.43	1,186.99	172,084.31
347	11,784.04	1,111.38	160,300.26
348	11,860.15	1,035.27	148,440.12
349	11,936.74	958.68	136,503.37
350	12,013.84	881.58	124,489.54
351	12,091.43	803.99	112,398.11
352	12,169.52	725.90	100,228.59
353	12,248.11	647.31	87,980.48
354	12,327.21	568.21	75,653.27
355	12,406.83	488.59	63,246.44
356	12,486.95	408.47	50,759.49
357	12,567.60	327.82	38,191.89
358	12,648.76	246.66	25,543.13
359	12,730.45	164.97	12,812.67
360	12,812.67	82.75	0.00

Questions

How much is a $1,800,000 mortgage per month?

At 7.75%, a 30-year $1,800,000 mortgage costs $12,895.42 a month in principal and interest. Property tax and insurance add about $1,462.50 a month on a $2,250,000 home, for about $14,357.92 in total.

How much income do I need for a $1,800,000 mortgage?

About $615,339 a year, if housing costs ($14,357.92 a month including estimated tax) stay at 28% of gross income. Other debts lower what lenders will approve under the 36% total-debt guideline.

How much interest will I pay on a $1,800,000 mortgage?

$2,842,351 over 30 years at 7.75%. A 15-year loan at 7.75% cuts that to $1,249,733, but the payment rises to $16,942.96.

What is the payment on a $1,800,000 mortgage at 7%?

$11,975.44 a month over 30 years, −$919.98 compared with 7.75%. Total interest would be $2,511,160.

How much faster is a $1,800,000 mortgage paid off with $100 extra a month?

Adding $100 to every payment pays the loan off in 29 years 2 months instead of 30 years and saves about $101,351 in interest at 7.75%.

Is this rate an offer?

No. 7.03% is the Freddie Mac weekly average for 30-year fixed loans with about 20% down and strong credit. Lenders price each borrower individually; your quote can be higher or lower.

Sources

30-year fixed mortgage average: 7.03%. Freddie Mac Primary Mortgage Market Survey (PMMS), series MORTGAGE30US, as of September 24, 2026; retrieved September 26, 2026.
Property tax (median effective rate by state). Tax Foundation, effective property tax rate on owner-occupied housing (Census ACS), Property Taxes by State, 2026 edition (2024 data). States not yet sourced use 0.78%, the median of the 32 state rates we have sourced, marked as an estimate.
Homeowners insurance (average premium). NAIC homeowners report, 2022 data, HO-3 policies. Only states with a sourced figure include insurance.
28/36 debt-to-income guideline. Lender guideline (Chase, Bankrate); CFPB debt-to-income guidance.

Numbers on this page last changed September 26, 2026. How they are calculated: methodology.