🏡 True Cost of Homeownership
Discover the real monthly cost of owning a home — beyond just your mortgage payment. Budget accurately for all expenses.
Property & Mortgage
Taxes & Insurance
Auto-estimated at ~0.8%/yr of the loan when down payment is below 20%. Enter a value to override.
Maintenance & Utilities
1-2% of home value typical
True Monthly Cost
$0
$0 per year
Monthly Cost Breakdown
Principal & Interest$0
Property Tax$0
Home Insurance$0
PITI Total$0
Maintenance Reserve$0
Utilities$0
Lawn/Garden$0
Cost Distribution
💡 Often Forgotten Costs
- Appliance replacement: ~$100-200/mo reserve
- Major repairs: Roof, HVAC, plumbing
- Pest control: $30-50/mo
- Home warranty: $40-60/mo
Pro Tip: Budget 1-2% of your home's value annually for maintenance. Older homes may need 3-4%.