Updated for 2026 · 30-yr avg 6.66% (July 30, 2026)
Free Mortgage Calculator 2026
Estimate your monthly mortgage payment with taxes, insurance, and PMI — then find out exactly how much house you can afford. No sign-up required.
More than a payment widget
Smart Mortgage Calculator is built for buyers and homeowners who want the full monthly picture — principal, interest, taxes, insurance, PMI, and HOA — plus plain-English guides that explain what those numbers mean. We publish worked examples for every state, loan-type deep dives for FHA, VA, refinance, affordability, and ARMs, and a public methodology page so you can see the formulas behind every estimate.
Use the calculator above for a fast national estimate, open a state page when local taxes and insurance matter, or read our buying guides before you shop. Estimates are educational — always confirm pricing with a licensed lender.
FHA, VA, and Refinance Calculators
Pick the calculator that matches your loan. Each one is pre-configured with the right defaults and a plain-English guide.
FHA Mortgage Calculator
Estimate your FHA loan payment with mortgage insurance premiums (MIP) and a low 3.5% down payment.
Open calculator →VA Mortgage Calculator
Estimate your VA loan payment with $0 down and no monthly mortgage insurance for eligible veterans.
Open calculator →Refinance Mortgage Calculator
See your new monthly payment and how much you could save by refinancing your existing mortgage.
Open calculator →Home Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment.
Open calculator →Adjustable-Rate Mortgage (ARM) Calculator
Estimate the initial payment on an adjustable-rate mortgage and understand how it can change.
Open calculator →Mortgage Calculators by State
Property taxes and insurance costs vary widely by state. Choose yours for localized defaults and estimates.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- District of Columbia
From the blog
View all guides →Current Mortgage Rates in June 2026
A June 2026 snapshot of mortgage rates, what changed this month, and how to plug today's numbers into your budget.
Read more →AffordabilityHow Much House Can I Afford in Georgia? (2026 Guide)
Georgia's property taxes and insurance affect your real payment. Here's how to size a budget that fits — with a worked example.
Read more →AffordabilityHow Much House Can I Afford in Texas? (2026 Guide)
Texas has no state income tax, but property taxes run high. Here's how to budget for a Texas home in 2026.
Read more →Want the full breakdown?
Read our complete guide to how mortgage payments are calculated, including amortization, PMI, and the 28/36 affordability rule.
Open the full mortgage calculator guide