CalculatorBasicsCalculatorBasicsMortgage, FHA, tax, and affordability calculators with state-specific 2026 data for all 50 states and Washington D.C. Get your true monthly payment in seconds — no signup required. Featured data: our 2026 State of Mortgage Payments report →
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Every tool uses real 2026 data — live rates from the Federal Reserve and property taxes from the U.S. Census Bureau — so you see your true monthly payment, not a generic estimate.
Your full monthly payment — principal, interest, taxes, and insurance — with your state's real property tax rate built in.
Calculate →Buy with as little as 3.5% down and a lower credit score. See your payment including the required mortgage insurance (MIP).
Calculate →For eligible veterans and service members: 0% down, no PMI, and no loan limit with full entitlement.
Calculate →0% down for homes in eligible rural and suburban areas. Check your payment and income eligibility.
Calculate →The standard loan most buyers use. PMI drops automatically once you reach 20% equity.
Calculate →For loans above the 2026 conforming limit of $832,750. Estimate payments on higher-balance mortgages.
Calculate →Work backwards from your income: see the home price and payment that fit a healthy debt-to-income ratio.
Calculate →Ranked median monthly mortgage payments for all 50 states — P&I, property tax, and insurance using Census data.
Calculate →Compare your current loan to today's rates and see your real monthly savings and break-even point.
Calculate →Tap your home equity with a line of credit. Estimate payments during the draw and repayment periods.
Calculate →Why Calculator Basics
Most calculators show principal and interest. We show the real number — taxes, insurance, and mortgage insurance included from the start.
The only free interactive tool showing FHA, conventional, and VA affordability side by side. Enter your salary to see which states you can actually afford.
Features
Property tax rates, FHA loan limits, income tax brackets, and first-time buyer programs pre-loaded for all 50 states and Washington D.C. No manual lookup needed.
Principal, interest, taxes, and insurance — all four. Not just P&I like most calculators. What you see is what you'll actually pay at closing.
FAQPage, SoftwareApplication, and Breadcrumb schema validated by Google's Rich Results Test on every calculator page across 3,748 pages.
Every calculator links to a plain-English guide with the formula, a worked example, and state-specific 2026 context. Not just a number — an education.
Every blog article embeds the relevant calculator inline — so readers get their exact number without leaving the page to search elsewhere.
No signup, no credit card, no paywalls. FHA limits, tax brackets, and rates updated annually. Built to stay accurate, not to upsell you.
From the blog
Get your true PITI payment in 30 seconds — your state's property tax, 2026 FHA limits, and MIP/PMI calculated automatically. No signup, no ads, always free.
Published
Last updated· Reviewed monthly by the CalculatorBasics Research Team