$475,000 mortgage payment

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Enter any one; the other three fill in automatically.

Interest-only options
National average mortgage rates
Today's mortgage rates (national averages, Mortgage News Daily, November 7, 2026): 30-yr fixed 7.17% · 15-yr fixed 6.83% · FHA 30-yr 6.82% · VA 30-yr 6.84% · Jumbo 30-yr 7.38%

National averages, not a lender quote. The date is the retrieval date; actual lender pricing varies.

Created for Phil Stevenson, Mortgage Nerd®, NMLS 365768. Calculation methods and limitations.

How much is a $475,000 mortgage?

At an illustrative 6.5% fixed rate, principal and interest on a $475,000 loan are $3,002.32 per month over 30 years, or $4,137.76 over 15 years. These are examples, not current rate offers.

Example rate / Tasa30 years / años15 years / años
5.5%$2,697.00$3,881.15
6%$2,847.86$4,008.32
6.5%$3,002.32$4,137.76
7%$3,160.19$4,269.43
7.5%$3,321.27$4,403.31

Customize the estimate above

The calculator starts with a $475,000 loan, 20% down and a 6.5% rate. The assumed home value is $593,750. Change those inputs and enter your taxes, home insurance and HOA to estimate the payment for your situation. A lower down payment can add mortgage insurance. Loan limits and program eligibility vary.

Compare all loan amounts · Explore an amortization schedule