District of Columbia Mortgage Calculator
Estimate the monthly PITI payment on a District of Columbia home. Preseeded with the state’s 0.56% effective property-tax rate, $1,200 average annual insurance, and $620,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$3,731
- Principal & Interest
- $3,135
- Property Taxes
- $289
- Home Insurance
- $100
- PMI
- $207
Total Interest
$632,621
Total Cost
$1,268,781
Payoff Year
2056
District of Columbia Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.56%
- Avg annual insurance
- $1,200
- Median home price
- $620,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable District of Columbia Rules
DC offers a Homestead Deduction reducing assessed value by ~$87,000 for primary residences. Annual taxable-assessment increases are capped at 10% for homesteaded properties. Senior Citizen / Disabled Property Tax Relief reduces tax by 50% for eligible homeowners.
Mortgage Calculators for Other States
Related Calculators
Frequently Asked Questions
- District of Columbia's statewide effective property-tax rate is approximately 0.56% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.