Buying
Price vs. rate
Hold your payment and move the rate: the price it carries at each rate, and what a 1% rate change is worth in price.
A typical recent 30-year rate. Edit to your lender's quote.
Property tax: 2.25% typical in Harris County. Typical total rate for the 17,904 homes for sale in Harris County (median of their certified 2025 tax bills; most are between 2.13% and 2.51%). Add your ZIP for a closer figure.
Typical in Harris County: $80/mo (74% of homes for sale there list an HOA). Set 0 if yours has none.
Same payment, every rate
$28,189 of price per 1% of rate
- Your payment on $400,000 at 6.69%
- $3,659/mo
- A rate 1% lower saves
- $246/mo
- The price cut that saves the same
- $27,538
A lower price and a lower rate aren’t the same deal: a lower price also shrinks the down payment and the property tax, and it lasts for the life of the loan. A lower rate can be refinanced later; a price can’t be renegotiated after closing.
Live listings across our six counties.
| Rate | Price at your payment | Payment on $400,000 |
|---|---|---|
| 5.19% | $445,456 | $3,294/mo |
| 5.69% | $429,573 | $3,413/mo |
| 6.19% | $414,428 | $3,535/mo |
| 6.69% (yours) | $400,000 | $3,659/mo |
| 7.19% | $386,264 | $3,787/mo |
| 7.69% | $373,195 | $3,917/mo |
| 8.19% | $360,767 | $4,049/mo |
We’re not a lender. Principal & interest on a 30-year fixed plus the typical 2.25% property tax for Harris County, budgetary insurance (0.55%), estimated PMI under 20% down (Freddie Mac: about $30–$70 a month per $100,000 borrowed) and your HOA. Rates you can get depend on your credit, down payment and loan type — a lender will quote yours, and we’ll introduce you below.
Talk to a lender
These are the lenders Allen works with. For any lender you’d like to talk to, tap Make introduction — we’ll make the introduction for you.
Zin Team
Zin Mortgage Group
Reilly Hupfeldt
Orca Home Loans
Cindy West
Matador Lending
Gary Warstler
Rocket Mortgage
Allen Markel is a licensed Texas REALTOR®, not a mortgage lender or loan originator. He does not quote rates or terms and does not decide whether you qualify — only a lender can do that. Introductions are a courtesy; you choose who to work with.
Numbers raising questions? Walk through them with a person.
Schedule time with Allen