Mortgage Payment Calculator by Price 2026
See your exact monthly payment for any home price from $100K to $1M. $200K = $1,592/mo, $500K = $3,980/mo, $600K = $4,776/mo (FHA). Compare FHA, VA, and conventional. Includes taxes, insurance, and PMI.
FHA Rate
6.38%
Conv Rate
6.66%
VA Rate
6.49%
Avg Taxes
~1.2%/yr
Monthly Payment by Home Price (August 2026)
Total monthly payment includes P&I + PMI/MIP + property taxes (~1.2%/yr) + homeowners insurance (~$1,200/yr). FHA = 3.5% down at 6.38%. Conventional = 20% down at 6.66% (no PMI). VA = 0% down at 6.49% (no PMI).
| Home Price | FHA (3.5% down) | Conv (20% down) | VA (0% down) | FHA Down | Conv Down | VA Down | Get Rate |
|---|---|---|---|---|---|---|---|
| $100K | $796/mo | $543/mo | $796/mo | $3,500 | $20,000 | $0 | Get Rate → |
| $150K | $1,194/mo | $815/mo | $1,194/mo | $5,250 | $30,000 | $0 | Get Rate → |
| $200K | $1,592/mo | $1,086/mo | $1,553/mo | $7,000 | $40,000 | $0 | Get Rate → |
| $250K | $1,989/mo | $1,358/mo | $1,941/mo | $8,750 | $50,000 | $0 | Get Rate → |
| $300K | $2,388/mo | $1,629/mo | $2,329/mo | $10,500 | $60,000 | $0 | Get Rate → |
| $350K | $2,785/mo | $1,901/mo | $2,718/mo | $12,250 | $70,000 | $0 | Get Rate → |
| $400K | $3,184/mo | $2,172/mo | $3,106/mo | $14,000 | $80,000 | $0 | Get Rate → |
| $500K | $3,980/mo | $2,716/mo | $3,883/mo | $17,500 | $100,000 | $0 | Get Rate → |
| $600K | $4,776/mo | $3,259/mo | $4,660/mo | $21,000 | $120,000 | $0 | Get Rate → |
| $750K | $5,970/mo | $4,073/mo | $5,825/mo | $26,250 | $150,000 | $0 | Get Rate → |
| $1M | $7,960/mo | $5,431/mo | $7,767/mo | $35,000 | $200,000 | $0 | Get Rate → |
Rates as of August 9, 2026. Actual rates vary by credit score, lender, and location. Property taxes vary by state (0.5%-2.5%).
Income Needed by Home Price
| Home Price | Monthly Payment | Min Income (43% DTI) | Min Income (with $500/mo debts) | Get Pre-Approved |
|---|---|---|---|---|
| $200K | $1,592/mo | $3,705/mo ($44K/yr) | $4,865/mo ($58K/yr) | Get Rate → |
| $300K | $2,388/mo | $5,558/mo ($67K/yr) | $6,718/mo ($81K/yr) | Get Rate → |
| $400K | $3,184/mo | $7,414/mo ($89K/yr) | $8,574/mo ($103K/yr) | Get Rate → |
| $500K | $3,980/mo | $9,260/mo ($111K/yr) | $10,420/mo ($125K/yr) | Get Rate → |
| $600K | $4,776/mo | $11,107/mo ($133K/yr) | $12,267/mo ($147K/yr) | Get Rate → |
| $750K | $5,970/mo | $13,884/mo ($167K/yr) | $15,044/mo ($180K/yr) | Get Rate → |
| $1M | $7,960/mo | $18,512/mo ($222K/yr) | $19,672/mo ($236K/yr) | Get Rate → |
Want to know exactly what you can afford? Get pre-approved and see your max price →
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Get My Rate →Mortgage Payment FAQs
What is the monthly payment on a $200K mortgage?
On a $200K home with FHA 3.5% down ($7K) at 6.38% APR: Loan = $193K, P&I = $1,203/mo, MIP = $89/mo, Taxes ~$200/mo, Insurance ~$100/mo. Total: ~$1,592/mo. With 20% down ($40K): Loan = $160K, P&I = $998/mo, no MIP. Total: ~$1,298/mo. Compare lenders for a $200K mortgage →
What is the monthly payment on a $500K home?
On a $500K home with FHA 3.5% down ($17.5K) at 6.38% APR: Loan = $482.5K, P&I = $3,008/mo, MIP = $222/mo, Taxes ~$520/mo, Insurance ~$150/mo. Total: ~$3,900/mo. With 20% down ($100K): Loan = $400K, P&I = $2,494/mo, no MIP. Total: ~$3,164/mo. VA 0% down: P&I = $3,133/mo, no PMI. Total: ~$3,803/mo. Get pre-approved for a $500K home →
What is the monthly payment on a $600K home?
On a $600K home with 20% down ($120K) at 6.66% APR: Loan = $480K, P&I = $3,083/mo, Taxes ~$625/mo, Insurance ~$180/mo. Total: ~$3,888/mo. With FHA 3.5% down ($21K): Loan = $579K, P&I = $3,610/mo, MIP = $266/mo. Total: ~$4,681/mo. Jumbo loan may be needed in high-cost areas. Compare lenders for a $600K mortgage →
How much income do I need for a $500K mortgage?
For a $500K home with FHA at $3,900/mo total payment: Max DTI is 43%. You need gross income of $9,070/mo ($108,840/yr) if you have no other debts. With $500/mo in debts (car, student loans): Need $10,233/mo ($122,800/yr). With 20% down ($100K) at $3,164/mo: Need $7,358/mo ($88,300/yr) with no other debts. Get pre-approved and see your max price →
How much is a $200K mortgage over 30 years?
A $200K mortgage (loan amount, not home price) at 6.66% APR for 30 years: Monthly P&I = $1,283/mo. Total paid over 30 years = $461,880. Total interest paid = $261,880. With 6.38% FHA: P&I = $1,249/mo, total = $449,640, interest = $249,640. Paying $100 extra/mo saves $46,000 in interest and pays off 5 years early. Compare 30-year mortgage rates from 50+ lenders →
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Refinance & Rate Specialist
David Rodriguez is a seasoned refinancing expert with over 10 years of experience in mortgage rate analysis and market trend forecasting. As a Certified Rate Lock Specialist, he has saved homeowners millions in interest payments through strategic refinancing timing. His expertise in Federal Reserve policy impact and mortgage-backed securities makes him a go-to expert for rate predictions and refinancing strategies.
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