Mortgage Escrow Calculator
Last updated: July 2026
Estimate monthly escrow for property tax and homeowners insurance.
Estimated monthly escrow
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- Total annual escrowed costs: —
- Monthly property-tax portion: —
On this page
Quick summary: Estimate monthly escrow for property tax and homeowners insurance. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator does
The Mortgage Escrow Calculator estimates the monthly amount that may be collected for property taxes, homeowners insurance, and other escrowed housing costs.
How to use the calculator step by step
Enter annual property-tax and insurance amounts, plus any other escrowed items represented by the form. The calculator converts annual obligations into a monthly planning amount.
How the calculation works
A simple escrow estimate divides annual costs by 12 and combines the monthly portions. A 3,600 annual property-tax bill contributes about 300 per month before insurance or other items.
Worked example and scenario testing
If annual property tax is 4,800 and homeowners insurance is 1,200, the combined basic escrow estimate is about 500 per month.
How to interpret your result
The escrow portion is separate from mortgage principal and interest. Changes in taxes or insurance can cause the monthly escrow payment to increase or decrease.
Accuracy, assumptions, and limitations
Actual servicers may require reserves, perform annual escrow analyses, issue shortages or refunds, and apply timing rules not represented by a simple estimate.
Common mistakes to avoid
Do not confuse escrow with the complete mortgage payment. Also avoid using outdated tax or insurance amounts when projecting future payments.
Privacy and browser-based calculations
Only housing-cost amounts are needed. Do not enter mortgage account numbers, policy numbers, or property-owner identifiers.