Go beyond the mortgage payment to see the real monthly cost of owning a home. This calculator includes maintenance, utilities, HOA fees, property taxes, insurance, and other expenses that many buyers overlook when budgeting for homeownership.
How It Works
Enter your home value, mortgage payment, and property tax rate
Add monthly costs for utilities, HOA dues, and homeowners insurance
Maintenance is estimated at 1-2% of home value per year (adjustable)
The calculator totals all costs to show your true monthly housing expense
Compare your total cost to the 28% housing-to-income guideline