New Jersey consistently has the highest property taxes in the U.S., with effective rates around 2.2% of value and higher in some towns. This calculator defaults to an NJ-typical rate; use your municipality's figure.
How this calculator works
Enter your numbers and the monthly payment recalculates instantly — no submit button, no page reload. The payment breakdown separates principal, interest, taxes, insurance, PMI and HOA. Use the tabs to view a full amortization schedule, compare scenarios side by side, or work backward from a monthly budget. Your inputs are encoded in the page link so you can bookmark or share a scenario without any account.