Home Buying & Selling Calculators - East Texas
Six free tools to help you plan a home purchase, sale, or move in East Texas. These are the same numbers Stephanie walks through with clients on listing appointments and buyer consultations - now in your pocket.
Choose your calculator
Mortgage Calculator
Estimate your full PITI payment - principal, interest, property tax, homeowners insurance, and HOA - for any home price, down payment, and rate.
Home Affordability Calculator
Find out the price range that fits your income and existing debts using the lender 28/36 rule. Best place to start if you’re early in the process.
East Texas Property Tax Calculator
Estimate annual property taxes by county and ISD across Smith, Gregg, Henderson, Cherokee, Anderson, Wood, Van Zandt, Rusk, and Upshur counties.
Homestead Exemption Savings
See exactly how much the Texas $100,000 ISD homestead exemption saves you each year - plus the additional $10,000 for over-65 and disabled homeowners.
Closing Cost Estimator
Estimate buyer or seller closing costs for a Texas residential transaction broken out by line item.
Rent vs. Buy Calculator
Compare the total cost of renting against the total cost of owning - net of equity built - over the years you actually plan to stay in the home.
About these calculators
Every calculator on this site uses 2024-2025 East Texas averages. Property tax rates pull combined county+ISD+city rates updated annually. Mortgage math uses the standard amortization formula. Closing-cost estimates use Texas-typical line items including the promulgated owner’s title insurance rate.
These are estimates only - for a real pre-approval, real comps, and a real plan, talk to Stephanie.
Need Local Numbers, Not Generic Ones?
Stephanie has been writing East Texas contracts for two decades. Get a real pre-approval, real comps, and a real plan.
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