True Cost Homeownership Calculator

Full PITI breakdown · Maintenance reserve planning · True cost of ownership

Home Details

Home Price

Estimated Mortgage

Property Taxes ($/yr)

Home Insurance ($/yr)

HOA / Condo Fees ($/mo)

Routine Maintenance

Covers filters, lightbulbs, lawn care, and minor plumbing/paint fixes.

Home Age (Years)

Annual Maintenance Savings Rate (%)

Your True Monthly Cost$3,000.00

Bank & Fixed Payment$2,458.33

↳ Mortgage$2,000.00

↳ Property Tax$333.33

↳ Home Insurance$125.00

Routine Upkeep (OpEx)$125.00

CapEx Sinking Fund$416.67