CALCMONEY // MORTGAGE // DC
Calculate your monthly mortgage payment using District of Columbia-specific property tax rates, current average interest rates, and local median home prices.
Open Full Calculator$577,041
6.76%
0.6%
4%–10.75%
How today's 6.76% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 6.76% | — |
| 2024 avg | 7.18% | -0.42% |
| 2023 avg | 7.61% | -0.85% |
| 2022 peak | 7.44% | -0.68% |
| 2021 avg | 3.36% | +3.40% |
| 2020 avg | 3.16% | +3.60% |
Rate estimates based on Freddie Mac Primary Mortgage Market Survey national averages adjusted for District of Columbia market conditions. Actual rates vary by lender and borrower profile.
| Principal & Interest | $2,997 |
| Property Tax | $289 |
| Homeowners Insurance (est.) | $192 |
| Total Monthly Payment (PITI) | $3,478 |
$115,408
$617,363
$149,060/yr
Statewide, District of Columbia's median home price runs $577,041, 37% above the $420,000 national median. The 5.3x price-to-income ratio here is measured against a $109,707 median household income.
Property taxes in District of Columbia average 0.6% of assessed value, below the 1.1% national average. On the median home, that's $3,462 a year, or $289 added to the monthly payment.
District of Columbia levies a state income tax of 4%–10.75% on top of the $3,478/month this mortgage runs. Model your real after-tax take-home before deciding how much payment you can carry.
Day-to-day expenses statewide track at 138 against the national 100 baseline, above average once you look past the mortgage payment itself.
District of Columbia's median home price runs 1% lower than New Jersey: $584,072 there versus $577,041 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $461,633 loan saves $20,773 in interest over 30 years.
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