Is this normal? My escrow payment went up

Your payment carries your property tax and home insurance, and those bills change. Your servicer rechecks the account every year.

Updated Oct 9, 2026 · 1-min read

What escrow is

An escrow (or impound) account is set up by your lender to pay property-related bills, like property tax and insurance, for you. Part of each monthly mortgage payment goes into it. Known¹

Why the payment changed

Your servicer reviews your tax and insurance account every year; a shortage raises your payment, and a surplus of $50 or more comes back to you within 30 days. Rule²

Some states reset the taxable value when a home sells, so the seller's bill isn't yours. Rule^3,4,5

What to check

Your tax bill. Appeal windows are short each year, and a wrong value means a bigger bill.

Compare the assessed value with recent nearby sales.
Check the facts on file: size, rooms, condition.
File before the deadline on your notice. Rule^6,7,8,4

Your insurance. Coverage, discounts and deductibles change, and you can shop separately from your lender.

Check flood and earthquake coverage.
Ask about alarm and bundling discounts.
Compare a higher deductible with your savings. Known^9,10

When to call a professional

Your servicer, at the number on your statement. Your servicer reviews your tax and insurance account every year; a shortage raises your payment, and a surplus of $50 or more comes back to you within 30 days. Rule²

Your county assessor, before the appeal deadline. File before the deadline on your notice. Rule^6,7,8,4

An insurance agent, before your policy renews. Compare a higher deductible with your savings. Known^9,10

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