Free home cost calculators

Every calculator here was built by HomeownerCosts and sits inside a guide that explains the method behind it. They run in your browser; nothing you type is sent or stored.

• Property tax calculator

  Estimate your bill from value, assessment ratio, exemptions and mill rate.

• Home affordability calculator

  Find a realistic price with the 28/36 rule, taxes, insurance and PMI included.

• True monthly cost calculator

  Everything you pay each month, not just principal and interest.

• Rent vs. buy calculator

  Compare the full cost of renting and buying over the years you plan to stay.

• PMI removal calculator

  See when you can cancel mortgage insurance and how extra payments help.

• Mortgage points calculator

  Find the break-even month before you pay for a lower rate.

Calculators give estimates for planning. Confirm figures with your lender, insurer or county before you decide.