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Dallas Mortgage Calculator

Estimate your true cost of homeownership in Dallas with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,062
P&I Payment$689
Taxes & Ins$195
Utilities$178
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Mortgage Details

$129,600
Local Median: $129,600
$25,920 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$1,062

Monthly Breakdown

Principal & Interest
$689
Property Taxes
$121
Homeowners Ins.
$74
Utilities
$178

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$144,192

Local Housing Facts for Dallas

  • ·Median home value: $129,600 (adjusted for current market conditions)
  • ·Est. property taxes: $1,454/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $886/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,140/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Dallas?

Based on the local median home value, estimated real estate property taxes in Dallas are around $1,454 per year.

What is the average home price in Dallas?

The median home value in Dallas is currently estimated at $129,600.

How much does homeowners insurance cost in Dallas?

For a median priced home, homeowners insurance in Dallas averages around $886 annually.

What is the true total cost of owning a home in Dallas?

True homeownership costs go beyond principal and interest. In Dallas, a typical homeowner with a median-priced home of $129,600 can expect to pay roughly $1,454/yr in property taxes, $886/yr for homeowners insurance, and $2,140/yr in energy utilities. That adds approximately $373 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.