Guide · Homebuying
Mortgage payment by home price
Monthly payments for common home prices and loan amounts, side by side, with links to a full breakdown for each.
By the CalcLedger editorial team · Updated September 2026 · 2 min read · Examples use illustrative rates · How we calculate
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Key takeaways
- Every $50,000 of home price adds roughly $319 a month to the full payment at an illustrative 6.5% with 20% down.
- Property tax and insurance add about $400 a month on a $300,000 home under our assumptions, so compare full payments, not just principal and interest.
- Each amount below links to a page with tables by down payment and rate, 15 vs. 30 years, and the cash you need.
Use these tables to see the monthly cost of common home prices and loan amounts at a glance, then open the page for the amount closest to yours for the full breakdown, or enter your exact numbers in the mortgage calculator or loan calculator.
Mortgage payment by home price
| Home price | Principal & interest | Total monthly | Income at 28% |
|---|---|---|---|
| $200,000 | $1,011 | $1,278 | $55,000 |
| $250,000 | $1,264 | $1,597 | $68,000 |
| $300,000 | $1,517 | $1,917 | $82,000 |
| $350,000 | $1,770 | $2,236 | $96,000 |
| $400,000 | $2,023 | $2,556 | $110,000 |
| $450,000 | $2,275 | $2,875 | $123,000 |
| $500,000 | $2,528 | $3,195 | $137,000 |
20% down, 30-year fixed at an illustrative 6.5%, property tax 1.1% and insurance 0.5% of the price per year. Income shown keeps the total payment at 28% of gross income, with no other large debts.
Personal loan payment by amount
Monthly payment at an illustrative 12% APR, fixed rate. Your rate depends mostly on your credit.
How to use these numbers
These are starting points. Your rate, tax bill and insurance premium can differ a lot from our assumptions, and PMI applies with less than 20% down on a conventional loan. Check your own budget with the affordability calculator and the debt-to-income calculator, and see how much house you can afford by salary.
Frequently asked questions
What is the payment on a $300,000 house?
About $1,917 a month with 20% down at an illustrative 6.5% for 30 years, including property tax and insurance. See the $300,000 page for other down payments and rates.
Why do my numbers differ from these tables?
Rates change daily and vary by credit score, and taxes and insurance vary widely by location. Enter your own figures in the calculators for an exact estimate.
Does a bigger down payment lower the payment a lot?
Yes, both through a smaller loan and by avoiding PMI at 20% down. Each price page shows the payment at 5%, 10% and 20% down.
Sources
- Consumer Financial Protection Bureau: Mortgages
- Consumer Financial Protection Bureau: What is private mortgage insurance?
- Consumer Financial Protection Bureau: Loan Estimate explainer
Rules, limits and program details are checked against these official sources. Example numbers are calculated by CalcLedger with the formulas on our how we calculate page. Read our editorial policy.
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