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Escrow Calculator

Estimate monthly escrow from annual property taxes and homeowners insurance, with optional HOA dues for planning.

Updated April 11, 2026
Free online tool
Planning and research use

Why this page exists

Escrow can be easy to underestimate because it sits beside the mortgage payment instead of inside the base loan math. This calculator isolates the monthly tax-and-insurance piece so homeowners and buyers can get a cleaner view of escrow and see how HOA dues change the broader monthly picture.

Interactive tool

Run the estimate

Enter your numbers and read the result first, then use the sections below to understand what affects the outcome.

Calculator

Escrow calculator

Estimate monthly escrow from annual property taxes and homeowners insurance, with optional HOA dues for planning.

Result

$600

Estimated monthly escrow based on annual property taxes and homeowners insurance.

Monthly escrow estimate$600

Annual combined costs$7,200

Monthly property tax$450

Monthly insurance$150

Property taxes add about $450 per month and homeowners insurance adds about $150 per month.
No HOA dues are included here, so the monthly result reflects taxes and insurance only.
Escrow accounts can run a little higher or lower than this estimate because servicers may collect a cushion or adjust for shortages.

This is a planning estimate. Actual escrow collections can include cushions, shortages, and servicer adjustments.

Planning note

Last updated April 11, 2026. Use this tool to compare scenarios and plan ahead, then confirm important details with the lender, employer, insurer, contractor, or other qualified provider involved in the final decision.

How it works

What the calculator is doing

Enter annual property taxes and annual homeowners insurance.

The calculator converts those yearly costs into monthly amounts and combines them into a monthly escrow estimate.

If HOA dues matter for the property, add them to get a fuller monthly and annual housing-extra estimate.

Understanding your result

The monthly escrow estimate is useful because it explains why housing cost often runs above the basic principal-and-interest number. HOA dues are shown separately in spirit, but including them here can still make planning easier when you want a more realistic monthly total.

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Examples

Ways people use this tool

Example scenarios help turn a quick estimate into a more useful comparison or planning step.

Split the mortgage from the escrow piece

Use this when you already know the loan payment and want to isolate how much taxes and insurance may add each month.

Compare two neighborhoods

Run higher and lower property-tax assumptions to see why homes at a similar price can still carry different monthly extras.

Add HOA dues for a fuller estimate

Include HOA dues if you want one number that captures the recurring home-related costs beyond the base loan payment.

FAQ

Common questions

What is included in escrow here?

This calculator focuses on property taxes and homeowners insurance, which are common escrow items on home loans.

Are HOA dues technically escrow?

Usually no, but they can still be added here for planning if you want a fuller monthly housing-extra estimate.

Why might a real escrow payment differ?

Servicers may collect a cushion or adjust for shortages, so the actual monthly amount can be a little higher or lower than a simple conversion.

Related tools

Keep comparing

Use these related tools to compare nearby scenarios, check a second estimate, or keep narrowing down the right decision.

Home ToolsUpdated April 11, 2026