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The real cost of owning — not just the mortgage

The sticker payment hides taxes, insurance, HOA, and upkeep. Here's the honest monthly number.

Home price

Down payment (%)

Interest rate (%)

Property tax (%/yr of value)

Home insurance ($/yr)

HOA ($/mo)

Maintenance (%/yr of value)

Principal & interest—

Property taxes—

Insurance—

HOA—

Maintenance (set-aside)—

True monthly cost—

Estimates. Actual taxes, insurance (especially in climate-risk areas), and HOA vary — a local agent will get you real numbers.

Search that actually helps you decide

Ask your agent (or our concierge) for homes within your ideal commute — we factor drive time, not just distance.

Flood, fire, and wind risk can swing insurance costs by thousands. We flag it so there are no surprises at closing.

Older systems and poor insulation add up. Factor it into the true cost before you fall in love.

A local agent will pull actual taxes, insurance quotes, and risk data for you — free.