Zillow Mortgage Calculator

Free#7 of 34 in Mortgage Calculator Apps

Zillow Mortgage Calculator: A free web calculator for comparing fixed-rate and ARM mortgage payment estimates. Ranked #7 of 34 in Mortgage Calculator Apps by our editors (8.8/10); pricing: Free plan; best for U.S. buyers comparing fixed and ARM loans.

8.8/10Editor score

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Zillow Mortgage Calculator8.8 Visit Zillow

At a glance

Editor score
8.8 / 10
Pricing
Free plan
Best for
U.S. buyers comparing fixed and ARM loans
Free plan
Yes
Paid from
Free
Amortization schedule
Yes
Facts checked
14 Nov 2026

Where it wins
- Compares 30-year fixed, 15-year fixed and 5-year ARM scenarios
- Breaks estimates into payment components and a schedule
- Includes taxes, homeowners insurance, PMI and HOA costs
Where it doesn't
- Does not provide affordability analysis in this calculator
- Does not include refinance scenarios in this calculator
- Estimates depend on the loan and cost inputs entered

Our verdict on Zillow Mortgage Calculator

Zillow Mortgage Calculator is a free web tool for people estimating payments on a home purchase. Buyers can enter a home price, down payment, ZIP code, loan program and interest rate, then review an estimated payment and itemized schedule. Its fixed and adjustable-rate scenarios make it useful for U.S. buyers comparing common loan structures, while its cost inputs help show how expenses beyond principal and interest affect an estimate.

The calculator supports 30-year fixed, 15-year fixed and 5-year ARM scenarios. It accepts a down payment as an amount or percentage and provides a ZIP code field and loan-program selection. Users can rely on the tool's property-tax estimate or enter an annual tax amount themselves; homeowners insurance, PMI and HOA costs can also be included. This range of inputs suits an early purchase comparison, though an estimate is only as useful as the assumptions entered. Buyers should check their assumptions and compare the resulting figures with loan terms they are considering.

Zillow's calculator focuses on purchase-payment estimates, with an itemized breakdown and schedule rather than affordability or refinance analysis. Zillow links to separate tools for those calculations, so buyers seeking a broader affordability assessment or refinance comparison will need to use another tool. Choose this calculator when a free, browser-based comparison of fixed and ARM payment scenarios is the goal; look elsewhere if those other analyses need to happen within the same calculator.

Your product? Our editors can test Zillow Mortgage Calculator in depth and publish a review, labelled as paid · from $149/mo →

Zillow Mortgage Calculator pricing

Plans Free planFree Free to use — no paid tier required for the core job.

See plans on zillow.com

Zillow Mortgage Calculator fact sheet

Free plan	Yes
Paid from	Free
Amortization schedule	Yes
Affordability analysis	No
Refinance scenarios	No
ARM calculations	Yes
Property-tax inputs	Yes
Insurance inputs	Yes
Platform access	Web
Deployment	Cloud
Platforms	Web
Built for	Solo (editorial estimate)
Pricing	Free plan
Website	zillow.com
Facts checked	14 Nov 2026

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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Last updated 14 Nov 2026 · How we research and update