Built for first-time buyers in expensive markets
The honest home affordability calculator
Most mortgage calculators underestimate the real cost of owning a home. We include taxes, insurance, maintenance, and utilities so you see the true monthly cost — before you buy.
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True Monthly Cost
Includes mortgage, taxes, insurance, maintenance, and utilities — not just the lender estimate.
Built for Expensive Markets
Designed for Boston, NYC, SF and other high-cost areas where small assumptions matter.
Avoid Being House Poor
Instantly see what percentage of your income your real housing cost consumes.
How Real Home Costs Works
Enter your home price, down payment, interest rate, and income. We calculate your true monthly housing cost using realistic assumptions for ownership expenses that most calculators ignore.
- • Mortgage (principal & interest)
- • Property taxes
- • Insurance estimates
- • Maintenance reserve (1%)
- • Utilities & hidden ownership costs
Estimates are for educational purposes only and not financial advice.