Specialty market
Buying a home in Texas
Austin, Dallas, Houston, San Antonio. Conventional, jumbo, and 1099 self-employed programs.
On a $500,000 home in TX
Statewide averages Property tax
$700/mo
1.68% effective rate
Home insurance
$200/mo
$2,400/yr typical
Tax + insurance
$900/mo
added to your P&I
Run your numbers for TX
The SnugRate calculators auto-default to Texas's tax + insurance averages. Override any field at any time.
What this estimate doesn't cover
- County, city, and special-district taxes can add 0.1%–1% on top of the statewide average. Use the property tax calculator with your specific assessment for an accurate figure.
- Hazard insurance varies a lot by hazard zone (wildfire in CA, hurricane in FL, hail in TX). The number above is a broad statewide average.
- HOA dues, mortgage insurance (PMI), and special assessments aren't included.
← All state guidesSource: Tax Foundation 2024 + industry averages