Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.
| Home price | 5% cash down | Monthly payment · PMI range | Income · 28% (midpoint) |
|---|---|---|---|
| $100,000 | $5,000 | $910–$948 | $39,810 |
| $125,000 | $6,250 | $1,100–$1,148 | $48,164 |
| $150,000 | $7,500 | $1,290–$1,347 | $56,518 |
| $175,000 | $8,750 | $1,480–$1,547 | $64,872 |
| $200,000 | $10,000 | $1,671–$1,747 | $73,226 |
| $225,000 | $11,250 | $1,861–$1,946 | $81,580 |
| $250,000 | $12,500 | $2,051–$2,146 | $89,934 |
| $275,000 | $13,750 | $2,241–$2,346 | $98,288 |
| $300,000 | $15,000 | $2,431–$2,545 | $106,643 |
| $325,000 | $16,250 | $2,622–$2,745 | $114,997 |
| $350,000 | $17,500 | $2,812–$2,945 | $123,351 |
| $375,000 | $18,750 | $3,002–$3,144 | $131,705 |
| $400,000 | $20,000 | $3,192–$3,344 | $140,059 |
| $425,000 | $21,250 | $3,382–$3,544 | $148,413 |
| $450,000 | $22,500 | $3,572–$3,743 | $156,767 |
| $475,000 | $23,750 | $3,763–$3,943 | $165,121 |
| $500,000 | $25,000 | $3,953–$4,143 | $173,476 |
| $525,000 | $26,250 | $4,143–$4,342 | $181,830 |
| $550,000 | $27,500 | $4,333–$4,542 | $190,184 |
| $575,000 | $28,750 | $4,523–$4,742 | $198,538 |
| $600,000 | $30,000 | $4,713–$4,941 | $206,892 |
| $625,000 | $31,250 | $4,904–$5,141 | $215,246 |
| $650,000 | $32,500 | $5,094–$5,341 | $223,600 |
| $675,000 | $33,750 | $5,284–$5,541 | $231,954 |
| $700,000 | $35,000 | $5,474–$5,740 | $240,308 |
| $725,000 | $36,250 | $5,664–$5,940 | $248,663 |
| $750,000 | $37,500 | $5,855–$6,140 | $257,017 |
| $775,000 | $38,750 | $6,045–$6,339 | $265,371 |
| $800,000 | $40,000 | $6,235–$6,539 | $273,725 |
| $825,000 | $41,250 | $6,425–$6,739 | $282,079 |
| $850,000 | $42,500 | $6,615–$6,938 | $290,433 |
| $875,000 | $43,750 | $6,805–$7,138 | $298,787 |
| $900,000 | $45,000 | $6,996–$7,338 | $307,141 |
| $925,000 | $46,250 | $7,186–$7,537 | $315,496 |
| $950,000 | $47,500 | $7,376–$7,737 | $323,850 |
| $975,000 | $48,750 | $7,566–$7,937 | $332,204 |
| $1,000,000 | $50,000 | $7,756–$8,136 | $340,558 |
| $1,250,000 | $62,500 | $9,658–$10,133 | $424,099 |
| $1,500,000 | $75,000 | $11,560–$12,130 | $507,640 |
| $2,000,000 | $100,000 | $15,364–$16,124 | $674,723 |
National payment figures use population-weighted state tax and insurance inputs, 30 years and no HOA or other debts. Above-limit rows require jumbo financing at the illustrated down payment.
Start with state-specific costs
Alabama · $300,000Alaska · $300,000Arizona · $300,000Arkansas · $300,000California · $300,000Colorado · $300,000Connecticut · $300,000Delaware · $300,000District of Columbia · $300,000Florida · $300,000Georgia · $300,000Hawaii · $300,000Idaho · $300,000Illinois · $300,000Indiana · $300,000Iowa · $300,000Kansas · $300,000Kentucky · $300,000Louisiana · $300,000Maine · $300,000Maryland · $300,000Massachusetts · $300,000Michigan · $300,000Minnesota · $300,000Mississippi · $300,000Missouri · $300,000Montana · $300,000Nebraska · $300,000Nevada · $300,000New Hampshire · $300,000New Jersey · $300,000New Mexico · $300,000New York · $300,000North Carolina · $300,000North Dakota · $300,000Ohio · $300,000Oklahoma · $300,000Oregon · $300,000Pennsylvania · $300,000Rhode Island · $300,000South Carolina · $300,000South Dakota · $300,000Tennessee · $300,000Texas · $300,000Utah · $300,000Vermont · $300,000Virginia · $300,000Washington · $300,000West Virginia · $300,000Wisconsin · $300,000Wyoming · $300,000
Related purchase budgets
Frequently asked questions
Choose a price to compare conventional, FHA and VA payment illustrations, cash down, closing costs and income budgets. State versions use local ACS effective property-tax rates, NAIC insurance averages and county limits.
No. They use the latest stored Freddie Mac PMMS rate as a common market-average assumption. Actual rates, PMI, taxes, insurance and eligibility depend on the borrower, property and lender.
Sources
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
- NAIC — Homeowners Insurance Report, Data for 2023 (HO-3 average premium)
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- VA — Funding fee and closing costs
- Freddie Mac — Breaking down PMI ($30–$70 per $100,000/month)
- HUD — Annual MIP table, Mortgagee Letter 2023-05
- Freddie Mac — Primary Mortgage Market Survey
- CFPB — Owning a Home
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.