Calculate total monthly housing payment (PITI)
For mortgage borrowers calculating complete monthly housing cost: Principal, Interest, Taxes, and Insurance bundled into one payment.
PITI Calculator
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Create Free AccountWhat it does
The PITI Calculator computes your total monthly housing payment by combining Principal & Interest from your lender with estimated property taxes and homeowners insurance. Input these four components to see the complete housing cost that most lenders use in DTI qualification calculations.
PITI is the standard qualification metric — lenders typically cap housing expense at 28% of gross income. This calculator shows your complete housing obligation and whether your mortgage choice fits within lender affordability guidelines or consumes too much income.
Who it's for
- Homebuyers understanding total monthly housing costs including taxes and insurance
- Lenders calculating PITI for debt-to-income ratio qualification thresholds
- Real estate agents pricing homes that buyers can actually afford given income and debt constraints
- Financial planners modeling housing cost impact on overall household budget
How it works
Calculate P&I
Principal and interest payment from your loan terms.
Add property taxes and insurance
Monthly property tax (annual ÷ 12) and homeowner's insurance (annual ÷ 12).
View total PITI
Sum of P&I, taxes, and insurance is your monthly housing payment.
Why it matters
See complete monthly housing cost including taxes and insurance
Understand PITI is often lower than true housing cost (HOA, utilities)
Model PITI changes if property taxes or insurance rates increase
Compare affordability across different properties by total PITI
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Frequently asked questions
Is PITI my total housing cost?
No — PITI excludes HOA fees, utilities, maintenance, repairs. True housing cost is PITI plus these items.
What percentage of PITI is typically taxes and insurance?
Varies by location: 20–40% in high-tax areas (CA, NY); 10–20% in low-tax areas. Model your specific county.
How do I estimate property tax?
Research your county's effective tax rate (tax bill ÷ home value). Multiply your estimated home value by this rate.
Can PITI change after closing?
Yes — property taxes and insurance increase over time. Tax increases: 1–4% annually (varies by county); insurance: 3–5% annually.
Is this calculator free to use?
Yes — create a free Investor Starter account to run 1 calculator per day. No credit card required. Upgrade to Core ($49/mo) for unlimited access to all 67 calculators.
How accurate are the results?
Results are only as accurate as your inputs. The formulas use industry-standard real estate investment math. Always verify with a licensed professional before committing capital.
Related calculators
Mortgage Payment Calculator
Break down your monthly P&I, taxes, insurance, and see the full amortization schedule.
Open calculatorDebt-to-Income (DTI) Calculator
Check whether your gross income-to-debt ratio meets conventional, FHA, and VA lender guidelines.
Open calculatorHome Affordability Calculator
Find the maximum purchase price you can qualify for based on income, debts, and down payment.
Open calculatorLoan-to-Value (LTV) Calculator
Determine LTV ratio, required down payment, and whether PMI applies at your target price.
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