$100,000 mortgage payment by rate & term
The table below shows the estimated monthly payment (principal & interest only) for a $100,000 mortgage across common interest rates and loan terms.
| Rate | 15-year | 30-year |
|---|---|---|
| 5.00% | $791 | $537 |
| 5.50% | $817 | $568 |
| 6.00% | $844 | $600 |
| 6.50% | $871 | $632 |
| 7.00% | $899 | $665 |
| 7.50% | $927 | $699 |
| 8.00% | $956 | $734 |
For example, at 6.50% over 30 years, a $100,000 mortgage costs about $632/month.
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Open the loan calculator →What changes your payment?
- Interest rate: even 0.5% changes the payment noticeably over 30 years.
- Term: 15-year loans have higher payments but far less total interest.
- Down payment: a bigger down payment lowers the financed amount.
Estimates are principal & interest only and exclude taxes, insurance and fees. For educational use, not financial advice.