Real Home Costs Calculator

An honest affordability estimate for expensive markets — includes taxes, insurance, maintenance, and utilities.

We don’t store your inputs. Estimates only — not financial advice.

Inputs

Home price ($)

Down payment (%)

Rate (%)

Term (years)

HOA ($/mo)

Property tax (%)

Utilities ($/mo)

Insurance (%/yr)

Maintenance (%/yr)

Annual gross income ($)

True monthly cost

$5,767 / mo

% of gross income

46.1%

Risk meter

House Poor

SafeStretchRiskyHouse Poor

Mortgage (P&I)

$3,792

Property tax

$750

Insurance

$250

Maintenance

$625

Utilities

$350

HOA

Loan amount: $600,000