Property Tax & Insurance Payment Calculator

PITI stands for Principal, Interest, Taxes, and Insurance - the four core components of a standard monthly mortgage payment. A PITI calculator (also called a property tax and insurance payment calculator) combines these four costs along with PMI (Private Mortgage Insurance) and HOA (Homeowners Association) fees to show your complete monthly housing payment. This gives home buyers a realistic picture of what they will actually pay each month, beyond just the loan payment. Our PITI calculator runs entirely in your browser with no data uploaded to any server.

1. Enter Your Home & Loan Details: Input the home price, down payment amount (or use the quick percentage presets), annual interest rate (APR), and loan term in years. The calculator computes your loan amount and standard monthly principal and interest payment using the amortization formula.
2. Add Ongoing Housing Costs: Enter your estimated annual property tax, annual homeowners insurance premium, expected PMI rate (if your down payment is under 20%), and monthly HOA dues. The calculator divides annual costs by 12 to get the monthly escrow amounts and computes PMI based on the loan amount and PMI rate.
3. Review Your Complete Payment Breakdown: The calculator displays your total monthly payment with a visual donut chart showing each component's share. It also shows PMI duration and total cost, first-year tax-deductible amounts, a loan balance chart over time, and a yearly amortization schedule. Adjust any input to see instant updates to all results.

• Total Monthly Housing Payment: The complete monthly payment including PITI (Principal, Interest, Taxes, Insurance), PMI (if required), and HOA fees. This is the true monthly cost of homeownership that you should budget for.
• Component Breakdown: Each part of your monthly payment shown individually with a visual donut chart. See exactly how much goes to principal, interest, property taxes, homeowners insurance, PMI, and HOA fees each month.
• PMI Analysis: If your down payment is below 20%, the calculator shows your monthly PMI cost, the estimated number of months until PMI terminates (when the loan balance reaches 78% of the original home value), and the total PMI cost over the life of the loan.
• Tax-Deductible Amounts & Full Cost Analysis: See the first-year mortgage interest and property tax amounts that may be tax-deductible (subject to the $10,000 SALT cap). Also view a loan balance chart, yearly amortization schedule, and total cost summary including total interest paid over the full loan term.

The property tax and insurance payment calculator is 100% free with no signup required. All calculations are performed locally in your browser - your home price, down payment, and all financial details never leave your device. There are no usage limits or caps. Use it as many times as you need to compare different home prices, down payment strategies, interest rates, and housing cost scenarios. All data stays private on your device. No account, no tracking, no uploads.