Monthly Payment on a $325,000 Mortgage
At 6.5% over 30 years, a $325,000 mortgage costs about $2,054.22 a month in principal and interest. Taxes, insurance, and HOA are extra.
$325,000 monthly payment at different rates and terms
| Rate | 15-year | 30-year |
|---|---|---|
| 5.5% | $2,655.52 | $1,845.31 |
| 6% | $2,742.53 | $1,948.54 |
| 6.5% | $2,831.10 | $2,054.22 |
| 7% | $2,921.19 | $2,162.23 |
| 7.5% | $3,012.79 | $2,272.45 |
Reading a $325,000 mortgage payment
The figures above are principal and interest (P&I) only — the part of the payment that pays down the loan plus the lender’s interest. Your real monthly cost also includes property tax, homeowners insurance, any HOA dues, and PMI if your down payment is under 20%. Use the full calculator to add those and see your total.
A lower rate or a shorter term changes the number a lot. A 15-year term has a higher monthly payment than a 30-year, but far less total interest over the life of the loan.