Mortgage Payment Tables
Find your monthly mortgage payment in seconds. This table shows principal-and-interest payments for 30-year fixed-rate loans from $200,000 to $600,000, at rates from 5.0% to 8.0%.
Monthly payment by loan amount and rate (30-year term)
| Loan amount | 5.0% | 5.5% | 6.0% | 6.5% | 7.0% | 7.5% | 8.0% |
|---|---|---|---|---|---|---|---|
| $200,000 | $1,073.64 | $1,135.58 | $1,199.10 | $1,264.14 | $1,330.60 | $1,398.43 | $1,467.53 |
| $250,000 | $1,342.05 | $1,419.47 | $1,498.88 | $1,580.17 | $1,663.26 | $1,748.04 | $1,834.41 |
| $300,000 | $1,610.46 | $1,703.37 | $1,798.65 | $1,896.20 | $1,995.91 | $2,097.64 | $2,201.29 |
| $350,000 | $1,878.88 | $1,987.26 | $2,098.43 | $2,212.24 | $2,328.56 | $2,447.25 | $2,568.18 |
| $400,000 | $2,147.29 | $2,271.16 | $2,398.20 | $2,528.27 | $2,661.21 | $2,796.86 | $2,935.06 |
| $450,000 | $2,415.70 | $2,555.05 | $2,697.98 | $2,844.31 | $2,993.86 | $3,146.47 | $3,301.94 |
| $500,000 | $2,684.11 | $2,838.95 | $2,997.75 | $3,160.34 | $3,326.51 | $3,496.07 | $3,668.82 |
| $550,000 | $2,952.52 | $3,122.84 | $3,297.53 | $3,476.37 | $3,659.16 | $3,845.68 | $4,035.71 |
| $600,000 | $3,220.93 | $3,406.73 | $3,597.30 | $3,792.41 | $3,991.81 | $4,195.29 | $4,402.59 |
How the figures are calculated
Each figure uses the standard amortization formula for a fixed-rate, fully amortizing loan: M = P × r(1+r)n ÷ ((1+r)n − 1), where M is the monthly payment, P is the loan amount, r is the monthly interest rate (annual rate ÷ 12) and n is 360 payments. For example, a $300,000 loan at 6.5% over 30 years gives a monthly principal-and-interest payment of $1,896.20.
Figures reviewed November 13, 2026. Every cell uses the same standard amortization formula as the Mortgage Calculator — the $1,896.20 example above matches the calculator's principal-and-interest figure for a $300,000 loan at 6.5% over 30 years.
What is not included
These figures are principal and interest only. Your real monthly payment will also include property taxes, homeowners insurance, and PMI if your down payment is under 20% — plus HOA dues if the property has them. For the full picture, use our mortgage calculator, which adds taxes, insurance, PMI and HOA. To see today's rates, visit our current mortgage rates page.
How to use this table
Find your loan amount in the left column and read across to the column nearest your interest rate. If your rate falls between two columns, your payment falls between the two figures — or use the mortgage calculator for the exact number. Note how quickly payments rise with the rate: on a $400,000 loan, each half-point of rate adds roughly $125 to $140 a month.
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