Home Cost Calculator

Calculate the true cost of home ownership, including mortgage, taxes, insurance, and maintenance.

Understanding Home Costs

Monthly Payment Factors

Your monthly payment includes principal, interest, taxes, and insurance (PITI). Additional costs like HOA fees and utilities affect your total monthly expenses.

Maintenance Costs

Plan to spend 1-4% of your home's value on maintenance each year. Older homes typically require more maintenance than newer ones.

Yard Maintenance

Don't forget to budget for yard upkeep. Typical costs include lawn care, tree maintenance, and seasonal cleanups. Use our yard maintenance calculator to estimate these expenses.

Regional Cost Variations

Housing costs vary significantly by region. The Northeast and West typically have higher costs, while the Midwest and South tend to be more affordable. These differences affect everything from property taxes to maintenance costs.