Buying · Greater Houston

What can you actually afford?

Estimate the full monthly cost of a Houston-area home — principal, interest, Texas property tax, insurance, and HOA. Adjust every number, then let CKT pressure-test it against real homes.

Run the numbers

Your numbers

Home price$Down payment%Interest rate%Loan termyrsProperty tax rate%Insurance / year$HOA / month$

Estimate only — taxes, insurance, and rates vary by home and lender. Texas property tax runs higher than most states; the 2% default is a starting point, not a quote.

Estimated monthly payment

$3,370

$90,000 down · $360,000 financed

Principal & interest$2,335/mo

Property tax$750/mo

Insurance$200/mo

HOA$85/mo

A real number beats a calculator. CKT runs the actual taxes, HOA, and lender quotes for the homes you’re weighing.

Talk to CKT What’s My Home Worth?

Why the calculator isn’t the answer

The real number lives in the details.

Two homes at the same price can carry very different monthly costs — MUD district taxes, HOA tiers, insurance by flood zone and roof age. CKT runs the actual figures on the homes you’re weighing, plus a read on what each will resell for. That’s the number that matters.

Get the real number