Skip to main content

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)
$3,524
Principal & Interest
$3,135
Property Taxes
$289
Home Insurance
$100
Total Interest
$632,621
Total Cost
$1,268,781
Loan-to-Value
80.0%
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

CaliforniaColoradoConnecticutDelawareFloridaGeorgiaGeneral mortgage calculator →

Related Calculators

Today's Mortgage Rates

Current average 30-year and 15-year fixed mortgage rates from Freddie Mac's Primary Mortgage Market Survey (via FRED), updated weekly.

Loan Calculator

Compare monthly payments across auto and personal loan terms.

Compound Interest Calculator

Visualize long-term wealth growth with monthly contributions.

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.