$2,000,000 mortgage at 8%

$14,675.29/month principal and interest

$3,283,105 total interest over 30 years

Principal $2,000,000 Interest $3,283,105. 62¢ of every dollar paid goes to interest.

30-year fixed at 8%. At this week's 7.03% average the payment would be $13,346.37 (+$1,328.92 a month at 8%).

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

Payment on $2,000,000 at nearby rates

30-year fixed; difference compared with this week's average
Rate	Monthly payment	Difference	Total interest
7.00%	$13,306.05	−$40.32	$2,790,178
7.03% this week's average	$13,346.37	$0.00	$2,804,693
7.25%	$13,643.53	+$297.16	$2,911,669
7.50%	$13,984.29	+$637.92	$3,034,344
7.75%	$14,328.24	+$981.87	$3,158,168
8.00% this page	$14,675.29	+$1,328.92	$3,283,105
8.25%	$15,025.33	+$1,678.96	$3,409,120
8.50%	$15,378.27	+$2,031.90	$3,536,177
8.75%	$15,734.01	+$2,387.64	$3,664,243
9.00%	$16,092.45	+$2,746.08	$3,793,283

Other terms at 8%

Term	Rate	Monthly payment	Total interest	Total paid
15-year fixed	8.00%	$19,113.04	$1,440,348	$3,440,348
20-year fixed	8.00%	$16,728.80	$2,014,912	$4,014,912
30-year fixed	8.00%	$14,675.29	$3,283,105	$5,283,105

With taxes

Assumes the $2,000,000 loan is 80% of a $2,500,000 purchase (20% down, so no PMI).
Principal and interest	$14,675.29
Property tax 0.78% a year, estimate	$1,625.00
Homeowners insurance	not included
Monthly total	$16,300.29

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 $16,300.29 monthly housing cost at 28% of gross income, you'd need about $698,584 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 4 months, more of each payment goes to interest than to principal. From payment 257 on, principal takes the larger share.

First 12 months

Amortization schedule for a $2,000,000 mortgage at 8.00% over 30 years, months 1–12; each payment $14,675.29
Month	Principal	Interest	Balance
1	$1,341.96	$13,333.33	$1,998,658.04
2	$1,350.90	$13,324.39	$1,997,307.14
3	$1,359.91	$13,315.38	$1,995,947.23
4	$1,368.98	$13,306.31	$1,994,578.25
5	$1,378.10	$13,297.19	$1,993,200.15
6	$1,387.29	$13,288.00	$1,991,812.86
7	$1,396.54	$13,278.75	$1,990,416.32
8	$1,405.85	$13,269.44	$1,989,010.47
9	$1,415.22	$13,260.07	$1,987,595.25
10	$1,424.66	$13,250.63	$1,986,170.59
11	$1,434.15	$13,241.14	$1,984,736.44
12	$1,443.72	$13,231.58	$1,983,292.72

Year by year

Totals for each loan year
Year	Principal	Interest	Balance at year end
1	$16,707	$159,396	$1,983,293
2	$18,094	$158,010	$1,965,199
3	$19,596	$156,508	$1,945,603
4	$21,222	$154,881	$1,924,381
5	$22,984	$153,120	$1,901,397
6	$24,891	$151,212	$1,876,506
7	$26,957	$149,146	$1,849,549
8	$29,195	$146,909	$1,820,354
9	$31,618	$144,486	$1,788,736
10	$34,242	$141,861	$1,754,494
11	$37,084	$139,019	$1,717,410
12	$40,162	$135,941	$1,677,248
13	$43,496	$132,608	$1,633,752
14	$47,106	$128,998	$1,586,647
15	$51,015	$125,088	$1,535,631
16	$55,250	$120,854	$1,480,382
17	$59,835	$116,268	$1,420,546
18	$64,802	$111,302	$1,355,745
19	$70,180	$105,923	$1,285,564
20	$76,005	$100,098	$1,209,559
21	$82,313	$93,790	$1,127,246
22	$89,145	$86,958	$1,038,100
23	$96,544	$79,559	$941,556
24	$104,558	$71,546	$836,998
25	$113,236	$62,868	$723,762
26	$122,634	$53,469	$601,128
27	$132,813	$43,291	$468,315
28	$143,836	$32,267	$324,479
29	$155,775	$20,329	$168,704
30	$168,704	$7,400	$0
Total	$2,000,000	$3,283,105	$0

Full schedule, all 360 payments

Amortization schedule for a $2,000,000 mortgage at 8.00% over 30 years, every payment
Month	Principal	Interest	Balance
1	1,341.96	13,333.33	1,998,658.04
2	1,350.90	13,324.39	1,997,307.14
3	1,359.91	13,315.38	1,995,947.23
4	1,368.98	13,306.31	1,994,578.25
5	1,378.10	13,297.19	1,993,200.15
6	1,387.29	13,288.00	1,991,812.86
7	1,396.54	13,278.75	1,990,416.32
8	1,405.85	13,269.44	1,989,010.47
9	1,415.22	13,260.07	1,987,595.25
10	1,424.66	13,250.63	1,986,170.59
11	1,434.15	13,241.14	1,984,736.44
12	1,443.72	13,231.58	1,983,292.72
13	1,453.34	13,221.95	1,981,839.38
14	1,463.03	13,212.26	1,980,376.35
15	1,472.78	13,202.51	1,978,903.57
16	1,482.60	13,192.69	1,977,420.97
17	1,492.49	13,182.81	1,975,928.48
18	1,502.43	13,172.86	1,974,426.05
19	1,512.45	13,162.84	1,972,913.60
20	1,522.53	13,152.76	1,971,391.06
21	1,532.68	13,142.61	1,969,858.38
22	1,542.90	13,132.39	1,968,315.48
23	1,553.19	13,122.10	1,966,762.29
24	1,563.54	13,111.75	1,965,198.74
25	1,573.97	13,101.32	1,963,624.78
26	1,584.46	13,090.83	1,962,040.32
27	1,595.02	13,080.27	1,960,445.30
28	1,605.66	13,069.64	1,958,839.64
29	1,616.36	13,058.93	1,957,223.28
30	1,627.14	13,048.16	1,955,596.14
31	1,637.98	13,037.31	1,953,958.16
32	1,648.90	13,026.39	1,952,309.26
33	1,659.90	13,015.40	1,950,649.36
34	1,670.96	13,004.33	1,948,978.40
35	1,682.10	12,993.19	1,947,296.29
36	1,693.32	12,981.98	1,945,602.98
37	1,704.60	12,970.69	1,943,898.37
38	1,715.97	12,959.32	1,942,182.40
39	1,727.41	12,947.88	1,940,455.00
40	1,738.92	12,936.37	1,938,716.07
41	1,750.52	12,924.77	1,936,965.55
42	1,762.19	12,913.10	1,935,203.37
43	1,773.94	12,901.36	1,933,429.43
44	1,785.76	12,889.53	1,931,643.67
45	1,797.67	12,877.62	1,929,846.00
46	1,809.65	12,865.64	1,928,036.35
47	1,821.72	12,853.58	1,926,214.63
48	1,833.86	12,841.43	1,924,380.77
49	1,846.09	12,829.21	1,922,534.69
50	1,858.39	12,816.90	1,920,676.29
51	1,870.78	12,804.51	1,918,805.51
52	1,883.25	12,792.04	1,916,922.26
53	1,895.81	12,779.48	1,915,026.45
54	1,908.45	12,766.84	1,913,118.00
55	1,921.17	12,754.12	1,911,196.83
56	1,933.98	12,741.31	1,909,262.85
57	1,946.87	12,728.42	1,907,315.97
58	1,959.85	12,715.44	1,905,356.12
59	1,972.92	12,702.37	1,903,383.20
60	1,986.07	12,689.22	1,901,397.13
61	1,999.31	12,675.98	1,899,397.82
62	2,012.64	12,662.65	1,897,385.18
63	2,026.06	12,649.23	1,895,359.13
64	2,039.56	12,635.73	1,893,319.56
65	2,053.16	12,622.13	1,891,266.40
66	2,066.85	12,608.44	1,889,199.55
67	2,080.63	12,594.66	1,887,118.93
68	2,094.50	12,580.79	1,885,024.43
69	2,108.46	12,566.83	1,882,915.97
70	2,122.52	12,552.77	1,880,793.45
71	2,136.67	12,538.62	1,878,656.78
72	2,150.91	12,524.38	1,876,505.87
73	2,165.25	12,510.04	1,874,340.61
74	2,179.69	12,495.60	1,872,160.93
75	2,194.22	12,481.07	1,869,966.71
76	2,208.85	12,466.44	1,867,757.86
77	2,223.57	12,451.72	1,865,534.29
78	2,238.40	12,436.90	1,863,295.89
79	2,253.32	12,421.97	1,861,042.57
80	2,268.34	12,406.95	1,858,774.23
81	2,283.46	12,391.83	1,856,490.77
82	2,298.69	12,376.61	1,854,192.08
83	2,314.01	12,361.28	1,851,878.07
84	2,329.44	12,345.85	1,849,548.63
85	2,344.97	12,330.32	1,847,203.67
86	2,360.60	12,314.69	1,844,843.07
87	2,376.34	12,298.95	1,842,466.73
88	2,392.18	12,283.11	1,840,074.55
89	2,408.13	12,267.16	1,837,666.42
90	2,424.18	12,251.11	1,835,242.24
91	2,440.34	12,234.95	1,832,801.90
92	2,456.61	12,218.68	1,830,345.28
93	2,472.99	12,202.30	1,827,872.29
94	2,489.48	12,185.82	1,825,382.82
95	2,506.07	12,169.22	1,822,876.74
96	2,522.78	12,152.51	1,820,353.96
97	2,539.60	12,135.69	1,817,814.37
98	2,556.53	12,118.76	1,815,257.84
99	2,573.57	12,101.72	1,812,684.26
100	2,590.73	12,084.56	1,810,093.54
101	2,608.00	12,067.29	1,807,485.53
102	2,625.39	12,049.90	1,804,860.15
103	2,642.89	12,032.40	1,802,217.26
104	2,660.51	12,014.78	1,799,556.75
105	2,678.25	11,997.04	1,796,878.50
106	2,696.10	11,979.19	1,794,182.40
107	2,714.08	11,961.22	1,791,468.32
108	2,732.17	11,943.12	1,788,736.15
109	2,750.38	11,924.91	1,785,985.77
110	2,768.72	11,906.57	1,783,217.05
111	2,787.18	11,888.11	1,780,429.87
112	2,805.76	11,869.53	1,777,624.11
113	2,824.46	11,850.83	1,774,799.65
114	2,843.29	11,832.00	1,771,956.35
115	2,862.25	11,813.04	1,769,094.11
116	2,881.33	11,793.96	1,766,212.77
117	2,900.54	11,774.75	1,763,312.24
118	2,919.88	11,755.41	1,760,392.36
119	2,939.34	11,735.95	1,757,453.02
120	2,958.94	11,716.35	1,754,494.08
121	2,978.66	11,696.63	1,751,515.41
122	2,998.52	11,676.77	1,748,516.89
123	3,018.51	11,656.78	1,745,498.38
124	3,038.64	11,636.66	1,742,459.74
125	3,058.89	11,616.40	1,739,400.85
126	3,079.29	11,596.01	1,736,321.56
127	3,099.81	11,575.48	1,733,221.75
128	3,120.48	11,554.81	1,730,101.27
129	3,141.28	11,534.01	1,726,959.99
130	3,162.22	11,513.07	1,723,797.76
131	3,183.31	11,491.99	1,720,614.46
132	3,204.53	11,470.76	1,717,409.93
133	3,225.89	11,449.40	1,714,184.04
134	3,247.40	11,427.89	1,710,936.64
135	3,269.05	11,406.24	1,707,667.59
136	3,290.84	11,384.45	1,704,376.75
137	3,312.78	11,362.51	1,701,063.97
138	3,334.87	11,340.43	1,697,729.11
139	3,357.10	11,318.19	1,694,372.01
140	3,379.48	11,295.81	1,690,992.53
141	3,402.01	11,273.28	1,687,590.52
142	3,424.69	11,250.60	1,684,165.83
143	3,447.52	11,227.77	1,680,718.31
144	3,470.50	11,204.79	1,677,247.81
145	3,493.64	11,181.65	1,673,754.17
146	3,516.93	11,158.36	1,670,237.24
147	3,540.38	11,134.91	1,666,696.87
148	3,563.98	11,111.31	1,663,132.89
149	3,587.74	11,087.55	1,659,545.15
150	3,611.66	11,063.63	1,655,933.49
151	3,635.73	11,039.56	1,652,297.76
152	3,659.97	11,015.32	1,648,637.78
153	3,684.37	10,990.92	1,644,953.41
154	3,708.94	10,966.36	1,641,244.47
155	3,733.66	10,941.63	1,637,510.81
156	3,758.55	10,916.74	1,633,752.26
157	3,783.61	10,891.68	1,629,968.65
158	3,808.83	10,866.46	1,626,159.82
159	3,834.23	10,841.07	1,622,325.59
160	3,859.79	10,815.50	1,618,465.80
161	3,885.52	10,789.77	1,614,580.28
162	3,911.42	10,763.87	1,610,668.86
163	3,937.50	10,737.79	1,606,731.36
164	3,963.75	10,711.54	1,602,767.61
165	3,990.17	10,685.12	1,598,777.44
166	4,016.78	10,658.52	1,594,760.66
167	4,043.55	10,631.74	1,590,717.11
168	4,070.51	10,604.78	1,586,646.60
169	4,097.65	10,577.64	1,582,548.95
170	4,124.97	10,550.33	1,578,423.99
171	4,152.46	10,522.83	1,574,271.52
172	4,180.15	10,495.14	1,570,091.37
173	4,208.02	10,467.28	1,565,883.36
174	4,236.07	10,439.22	1,561,647.29
175	4,264.31	10,410.98	1,557,382.98
176	4,292.74	10,382.55	1,553,090.24
177	4,321.36	10,353.93	1,548,768.88
178	4,350.17	10,325.13	1,544,418.72
179	4,379.17	10,296.12	1,540,039.55
180	4,408.36	10,266.93	1,535,631.19
181	4,437.75	10,237.54	1,531,193.44
182	4,467.34	10,207.96	1,526,726.10
183	4,497.12	10,178.17	1,522,228.99
184	4,527.10	10,148.19	1,517,701.89
185	4,557.28	10,118.01	1,513,144.61
186	4,587.66	10,087.63	1,508,556.95
187	4,618.25	10,057.05	1,503,938.70
188	4,649.03	10,026.26	1,499,289.67
189	4,680.03	9,995.26	1,494,609.64
190	4,711.23	9,964.06	1,489,898.42
191	4,742.64	9,932.66	1,485,155.78
192	4,774.25	9,901.04	1,480,381.53
193	4,806.08	9,869.21	1,475,575.45
194	4,838.12	9,837.17	1,470,737.33
195	4,870.38	9,804.92	1,465,866.95
196	4,902.85	9,772.45	1,460,964.10
197	4,935.53	9,739.76	1,456,028.57
198	4,968.43	9,706.86	1,451,060.14
199	5,001.56	9,673.73	1,446,058.58
200	5,034.90	9,640.39	1,441,023.68
201	5,068.47	9,606.82	1,435,955.21
202	5,102.26	9,573.03	1,430,852.96
203	5,136.27	9,539.02	1,425,716.69
204	5,170.51	9,504.78	1,420,546.17
205	5,204.98	9,470.31	1,415,341.19
206	5,239.68	9,435.61	1,410,101.50
207	5,274.61	9,400.68	1,404,826.89
208	5,309.78	9,365.51	1,399,517.11
209	5,345.18	9,330.11	1,394,171.93
210	5,380.81	9,294.48	1,388,791.12
211	5,416.68	9,258.61	1,383,374.44
212	5,452.80	9,222.50	1,377,921.64
213	5,489.15	9,186.14	1,372,432.50
214	5,525.74	9,149.55	1,366,906.75
215	5,562.58	9,112.71	1,361,344.17
216	5,599.66	9,075.63	1,355,744.51
217	5,636.99	9,038.30	1,350,107.52
218	5,674.57	9,000.72	1,344,432.94
219	5,712.41	8,962.89	1,338,720.54
220	5,750.49	8,924.80	1,332,970.05
221	5,788.82	8,886.47	1,327,181.22
222	5,827.42	8,847.87	1,321,353.81
223	5,866.27	8,809.03	1,315,487.54
224	5,905.37	8,769.92	1,309,582.17
225	5,944.74	8,730.55	1,303,637.42
226	5,984.38	8,690.92	1,297,653.05
227	6,024.27	8,651.02	1,291,628.78
228	6,064.43	8,610.86	1,285,564.34
229	6,104.86	8,570.43	1,279,459.48
230	6,145.56	8,529.73	1,273,313.92
231	6,186.53	8,488.76	1,267,127.39
232	6,227.78	8,447.52	1,260,899.61
233	6,269.29	8,406.00	1,254,630.32
234	6,311.09	8,364.20	1,248,319.23
235	6,353.16	8,322.13	1,241,966.06
236	6,395.52	8,279.77	1,235,570.55
237	6,438.15	8,237.14	1,229,132.39
238	6,481.08	8,194.22	1,222,651.32
239	6,524.28	8,151.01	1,216,127.03
240	6,567.78	8,107.51	1,209,559.26
241	6,611.56	8,063.73	1,202,947.69
242	6,655.64	8,019.65	1,196,292.05
243	6,700.01	7,975.28	1,189,592.04
244	6,744.68	7,930.61	1,182,847.36
245	6,789.64	7,885.65	1,176,057.72
246	6,834.91	7,840.38	1,169,222.81
247	6,880.47	7,794.82	1,162,342.34
248	6,926.34	7,748.95	1,155,416.00
249	6,972.52	7,702.77	1,148,443.48
250	7,019.00	7,656.29	1,141,424.48
251	7,065.79	7,609.50	1,134,358.68
252	7,112.90	7,562.39	1,127,245.78
253	7,160.32	7,514.97	1,120,085.47
254	7,208.06	7,467.24	1,112,877.41
255	7,256.11	7,419.18	1,105,621.30
256	7,304.48	7,370.81	1,098,316.82
257	7,353.18	7,322.11	1,090,963.64
258	7,402.20	7,273.09	1,083,561.44
259	7,451.55	7,223.74	1,076,109.89
260	7,501.23	7,174.07	1,068,608.66
261	7,551.23	7,124.06	1,061,057.43
262	7,601.58	7,073.72	1,053,455.86
263	7,652.25	7,023.04	1,045,803.60
264	7,703.27	6,972.02	1,038,100.34
265	7,754.62	6,920.67	1,030,345.71
266	7,806.32	6,868.97	1,022,539.39
267	7,858.36	6,816.93	1,014,681.03
268	7,910.75	6,764.54	1,006,770.28
269	7,963.49	6,711.80	998,806.79
270	8,016.58	6,658.71	990,790.21
271	8,070.02	6,605.27	982,720.19
272	8,123.82	6,551.47	974,596.36
273	8,177.98	6,497.31	966,418.38
274	8,232.50	6,442.79	958,185.88
275	8,287.39	6,387.91	949,898.49
276	8,342.63	6,332.66	941,555.86
277	8,398.25	6,277.04	933,157.61
278	8,454.24	6,221.05	924,703.36
279	8,510.60	6,164.69	916,192.76
280	8,567.34	6,107.95	907,625.42
281	8,624.46	6,050.84	899,000.97
282	8,681.95	5,993.34	890,319.02
283	8,739.83	5,935.46	881,579.18
284	8,798.10	5,877.19	872,781.09
285	8,856.75	5,818.54	863,924.34
286	8,915.80	5,759.50	855,008.54
287	8,975.23	5,700.06	846,033.31
288	9,035.07	5,640.22	836,998.24
289	9,095.30	5,579.99	827,902.93
290	9,155.94	5,519.35	818,746.99
291	9,216.98	5,458.31	809,530.02
292	9,278.42	5,396.87	800,251.59
293	9,340.28	5,335.01	790,911.31
294	9,402.55	5,272.74	781,508.76
295	9,465.23	5,210.06	772,043.53
296	9,528.33	5,146.96	762,515.19
297	9,591.86	5,083.43	752,923.34
298	9,655.80	5,019.49	743,267.53
299	9,720.17	4,955.12	733,547.36
300	9,784.98	4,890.32	723,762.38
301	9,850.21	4,825.08	713,912.18
302	9,915.88	4,759.41	703,996.30
303	9,981.98	4,693.31	694,014.32
304	10,048.53	4,626.76	683,965.79
305	10,115.52	4,559.77	673,850.27
306	10,182.96	4,492.34	663,667.31
307	10,250.84	4,424.45	653,416.47
308	10,319.18	4,356.11	643,097.29
309	10,387.98	4,287.32	632,709.31
310	10,457.23	4,218.06	622,252.08
311	10,526.94	4,148.35	611,725.14
312	10,597.12	4,078.17	601,128.01
313	10,667.77	4,007.52	590,460.24
314	10,738.89	3,936.40	579,721.35
315	10,810.48	3,864.81	568,910.87
316	10,882.55	3,792.74	558,028.32
317	10,955.10	3,720.19	547,073.21
318	11,028.14	3,647.15	536,045.08
319	11,101.66	3,573.63	524,943.42
320	11,175.67	3,499.62	513,767.75
321	11,250.17	3,425.12	502,517.58
322	11,325.17	3,350.12	491,192.40
323	11,400.68	3,274.62	479,791.73
324	11,476.68	3,198.61	468,315.05
325	11,553.19	3,122.10	456,761.86
326	11,630.21	3,045.08	445,131.64
327	11,707.75	2,967.54	433,423.90
328	11,785.80	2,889.49	421,638.10
329	11,864.37	2,810.92	409,773.73
330	11,943.47	2,731.82	397,830.26
331	12,023.09	2,652.20	385,807.17
332	12,103.24	2,572.05	373,703.93
333	12,183.93	2,491.36	361,519.99
334	12,265.16	2,410.13	349,254.84
335	12,346.93	2,328.37	336,907.91
336	12,429.24	2,246.05	324,478.67
337	12,512.10	2,163.19	311,966.57
338	12,595.51	2,079.78	299,371.06
339	12,679.48	1,995.81	286,691.57
340	12,764.01	1,911.28	273,927.56
341	12,849.11	1,826.18	261,078.45
342	12,934.77	1,740.52	248,143.68
343	13,021.00	1,654.29	235,122.68
344	13,107.81	1,567.48	222,014.88
345	13,195.19	1,480.10	208,819.68
346	13,283.16	1,392.13	195,536.52
347	13,371.71	1,303.58	182,164.81
348	13,460.86	1,214.43	168,703.95
349	13,550.60	1,124.69	155,153.35
350	13,640.94	1,034.36	141,512.41
351	13,731.88	943.42	127,780.54
352	13,823.42	851.87	113,957.12
353	13,915.58	759.71	100,041.54
354	14,008.35	666.94	86,033.19
355	14,101.74	573.55	71,931.46
356	14,195.75	479.54	57,735.71
357	14,290.39	384.90	43,445.32
358	14,385.66	289.64	29,059.66
359	14,481.56	193.73	14,578.10
360	14,578.10	97.19	0.00

Questions

How much is a $2,000,000 mortgage per month?

At 8.00%, a 30-year $2,000,000 mortgage costs $14,675.29 a month in principal and interest. Property tax and insurance add about $1,625.00 a month on a $2,500,000 home, for about $16,300.29 in total.

How much income do I need for a $2,000,000 mortgage?

About $698,584 a year, if housing costs ($16,300.29 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 $2,000,000 mortgage?

$3,283,105 over 30 years at 8.00%. A 15-year loan at 8.00% cuts that to $1,440,348, but the payment rises to $19,113.04.

What is the payment on a $2,000,000 mortgage at 7%?

$13,306.05 a month over 30 years, −$1,369.24 compared with 8.00%. Total interest would be $2,790,178.

How much faster is a $2,000,000 mortgage paid off with $100 extra a month?

Adding $100 to every payment pays the loan off in 29 years 3 months instead of 30 years and saves about $108,711 in interest at 8.00%.

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.