District of Columbia Mortgage Calculator
Estimate your monthly payment in District of Columbia — including property tax (0.56% effective rate), home insurance, and PMI. Pre-filled with District of Columbia averages for 2026.
= $124,000 down
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Mortgage costs in District of Columbia
The average District of Columbia homeowner pays roughly $289/month in property tax on a median-priced home, plus about $108/month in home insurance. Property tax is billed by your county — actual rates vary from the state average, so check your county assessor's site for exact figures.
How much house can I afford in District of Columbia?
A common rule is to keep total housing costs (PITI) under 28% of gross monthly income. At current rates, buying the median District of Columbia home ($620,000) with 20% down requires roughly $154,916 in annual income.