Mortgage › $100,000 mortgage
$100,000 mortgage payment (2026)
A $100,000 30-year fixed mortgage at today's average rate of 6.76% costs $649 a month in principal and interest — $133,735 of interest over the life of the loan. A 15-year loan at 6.09% is $849 a month and $52,771 in interest. Add taxes, insurance and PMI below to see the full payment.
Default rate: 6.76% on a 30-year fixed and 6.09% on a 15-year — the Freddie Mac PMMS national average as of 2026-09-10 (source). Updated automatically every Thursday. Your quote depends on credit score, points and lender.
Your numbers
Result
| Year | Principal | Interest | Balance |
|---|
$100,000 mortgage by interest rate
| Rate | Monthly P&I | Total interest | 15-year P&I |
|---|---|---|---|
| 5% | $537 | $93,256 | $791 |
| 5.5% | $568 | $104,404 | $817 |
| 5.75% | $584 | $110,086 | $830 |
| 6% | $600 | $115,838 | $844 |
| 6.25% | $616 | $121,658 | $857 |
| 6.5% | $632 | $127,544 | $871 |
| 6.75% | $649 | $133,495 | $885 |
| 7% | $665 | $139,509 | $899 |
| 7.25% | $682 | $145,583 | $913 |
| 7.5% | $699 | $151,717 | $927 |
| 8% | $734 | $164,155 | $956 |
Other loan amounts
Frequently asked
What income do I need for a $100,000 mortgage?
Lenders usually cap housing costs at 28% of gross income. With taxes and insurance the payment is about $914 a month, which needs roughly $39,165 a year before other debts. Check the affordability calculator.
How much is $100,000 at 7%?
$665 a month on a 30-year term, $899 on 15 years.