30 vs 50 Year
Mortgage Calculator
Compare mortgage terms side-by-side and make smarter home loan decisions with real-time calculations
Mortgage Details
20.0% down payment
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Disclaimer: This calculator provides estimates for informational purposes only and should not be considered financial, legal, or tax advice. Actual mortgage rates, payments, fees, and terms may vary based on your credit score, lender, location, and other factors. Property tax and home insurance estimates are state averages only — actual costs vary significantly by location, property age, coverage level, claims history, and other factors. Home insurance especially can vary by 200%+ within the same state. We make no guarantees regarding the accuracy of these calculations. Always consult with a qualified mortgage professional, financial advisor, or insurance agent before making any financial decisions. By using this calculator, you agree that we are not liable for any decisions made based on these estimates.
Data Sources: Property tax rates from Tax Foundation and state revenue departments. Home insurance rates from Insurance Information Institute and state insurance departments. Mortgage rates from Federal Reserve Economic Data (FRED). All data as of 2024.
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30-Year Mortgage
$2,729/mo
50-Year Mortgage
$2,525/mo
💡 Click "Calculate & Compare" above to see:
- ✓ Detailed payment breakdown
- ✓ Total interest comparison
- ✓ Interactive amortization charts
- ✓ Full payment schedules
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