Mortgage payment on a $325K house
$2,156 a month with 20% down at 7.11% — including property tax and insurance. You'd need an income of about $92,400.
On a $325,000 home with $65,000 (20%) down, you borrow $260,000. At 7.11% (30-year fixed, Freddie Mac average for the week of Nov 12, 2026), principal and interest come to $1,749 a month. Adding property tax at the U.S. average of 0.9% ($244) and insurance ($163) gives $2,156. Over 30 years you would pay $369,653 in interest.
Payment by down payment
Putting less than 20% down means a bigger loan and mortgage insurance, so the monthly payment rises:
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $65,000 | $260,000 | $1,749 | $0 | $407 | $2,156 | $92,400 |
| 10% down | $32,500 | $292,500 | $1,968 | $122 | $407 | $2,496 | $107,000 |
| 5% down | $16,250 | $308,750 | $2,077 | $129 | $407 | $2,612 | $112,000 |
| 3.5% down (FHA) | $11,375 | $319,113 | $2,147 | $144 | $407 | $2,697 | $115,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.9% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Payment at different interest rates
| Rate | Principal + interest | Total / month | Total interest |
|---|---|---|---|
| 5.61% | $1,494 | $1,901 | $277,928 |
| 6.11% | $1,577 | $1,984 | $307,816 |
| 6.61% | $1,662 | $2,069 | $338,403 |
| 7.11% | $1,749 | $2,156 | $369,653 |
| 7.61% | $1,838 | $2,244 | $401,529 |
| 8.11% | $1,928 | $2,334 | $433,995 |
15 vs 20 vs 30-year mortgage
| Term | Principal + interest | Total / month | Total interest |
|---|---|---|---|
| 30 years at 7.11% | $1,749 | $2,156 | $369,653 |
| 20 years at 7.11% | $2,033 | $2,440 | $227,915 |
| 15 years at 6.45% | $2,258 | $2,664 | $146,393 |
A shorter loan costs more each month but saves a lot of interest — and 15-year loans carry a lower rate (6.45% this week).
Mortgage on a $325K house in each state
Property tax changes the payment a lot from state to state (20% down):
| State | Tax rate | Tax / month | Total / month | Income needed |
|---|---|---|---|---|
| Alabama | 0.38% | $104 | $2,015 | $86,400 |
| Alaska | 1.06% | $286 | $2,198 | $94,200 |
| Arizona | 0.44% | $120 | $2,031 | $87,100 |
| Arkansas | 0.5% | $135 | $2,047 | $87,700 |
| California | 0.72% | $195 | $2,106 | $90,300 |
| Colorado | 0.52% | $141 | $2,052 | $87,900 |
| Connecticut | 1.59% | $430 | $2,341 | $100,300 |
| Delaware | 0.49% | $132 | $2,043 | $87,600 |
| District of Columbia | 0.67% | $182 | $2,093 | $89,700 |
| Florida | 0.8% | $217 | $2,129 | $91,200 |
| Georgia | 0.77% | $209 | $2,121 | $90,900 |
| Hawaii | 0.26% | $72 | $1,983 | $85,000 |
| Idaho | 0.42% | $114 | $2,025 | $86,800 |
| Illinois | 1.92% | $520 | $2,432 | $104,200 |
| Indiana | 0.74% | $200 | $2,111 | $90,500 |
| Iowa | 1.27% | $344 | $2,256 | $96,700 |
| Kansas | 1.24% | $337 | $2,249 | $96,400 |
| Kentucky | 0.72% | $194 | $2,106 | $90,200 |
| Louisiana | 0.55% | $148 | $2,060 | $88,300 |
| Maine | 0.92% | $249 | $2,161 | $92,600 |
| Maryland | 0.98% | $265 | $2,177 | $93,300 |
| Massachusetts | 1.01% | $274 | $2,186 | $93,700 |
| Michigan | 1.17% | $318 | $2,229 | $95,500 |
| Minnesota | 1.04% | $282 | $2,193 | $94,000 |
| Mississippi | 0.65% | $175 | $2,087 | $89,400 |
| Missouri | 0.79% | $214 | $2,126 | $91,100 |
| Montana | 0.69% | $187 | $2,098 | $89,900 |
| Nebraska | 1.31% | $356 | $2,267 | $97,200 |
| Nevada | 0.47% | $128 | $2,040 | $87,400 |
| New Hampshire | 1.43% | $388 | $2,300 | $98,600 |
| New Jersey | 1.82% | $492 | $2,404 | $103,000 |
| New Mexico | 0.63% | $171 | $2,083 | $89,300 |
| New York | 1.42% | $386 | $2,297 | $98,500 |
| North Carolina | 0.64% | $172 | $2,084 | $89,300 |
| North Dakota | 0.92% | $250 | $2,162 | $92,600 |
| Ohio | 1.22% | $331 | $2,243 | $96,100 |
| Oklahoma | 0.76% | $206 | $2,118 | $90,800 |
| Oregon | 0.79% | $214 | $2,125 | $91,100 |
| Pennsylvania | 1.12% | $305 | $2,216 | $95,000 |
| Rhode Island | 1.02% | $277 | $2,189 | $93,800 |
| South Carolina | 0.45% | $121 | $2,032 | $87,100 |
| South Dakota | 1.04% | $281 | $2,192 | $93,900 |
| Tennessee | 0.46% | $124 | $2,035 | $87,200 |
| Texas | 1.32% | $358 | $2,270 | $97,300 |
| Utah | 0.5% | $136 | $2,048 | $87,800 |
| Vermont | 1.51% | $408 | $2,319 | $99,400 |
| Virginia | 0.71% | $192 | $2,104 | $90,200 |
| Washington | 0.81% | $220 | $2,131 | $91,300 |
| West Virginia | 0.51% | $139 | $2,050 | $87,900 |
| Wisconsin | 1.2% | $326 | $2,238 | $95,900 |
| Wyoming | 0.56% | $151 | $2,062 | $88,400 |
Other home prices
Frequently asked questions
What is the monthly payment on a $325K house?
With 20% down and a 30-year fixed rate of 7.11%, the payment on a $325,000 house is about $1,749 for principal and interest, or $2,156 including average property tax and insurance.
How much income do I need for a $325K house?
Lenders generally want housing costs under 28% of gross income. A $2,156 monthly payment needs about $92,400 a year, assuming no other large debts.
How much do I need to put down on a $325K house?
20% is $65,000 and avoids PMI. Conventional loans allow as little as 3–5% ($9,750–$16,250) and FHA loans 3.5% ($11,375), but the monthly payment is higher.