Count the costs buyers can miss
See mortgage, tax, insurance, HOA, PMI, utilities, maintenance, and upfront cash in one estimate.
Estimate your total monthly home cost before you fall in love.
Use this free monthly home cost calculator to estimate your mortgage, property taxes, home insurance, HOA dues, PMI, utilities, maintenance, and upfront costs. Your Home Cost automatically checks trusted government and industry sources for the newest available national, state, and city benchmarks—including averages, medians, and rates. Every source and reporting period is shown, and dated fallbacks are clearly labeled.No sign-up. No mystery math. Just plain-English guidance. Change anything and your estimate updates right away.
See what a home could cost- Latest available data, checked automatically
- Customize every detail
- Plain-English help
Your monthly estimate—Choose a state, then add a home price.
Let’s make your home number.
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Where are you looking?
We’ll check official data for helpful local benchmarks.
How this monthly home cost calculator works
Start with your own numbers, then compare them with the newest available averages, medians, and rates the app can retrieve. Every benchmark shows its source and reporting period, and every assumption stays editable because a property-specific quote is more precise than any average.
Automatically check trusted sources
The calculator checks Census, Freddie Mac and FRED, FHFA, EIA, BLS, and CFPB for their newest available published benchmarks and keeps every reporting period visible.
Keep every assumption editable
Replace any benchmark with an exact property, lender, insurance, utility, or HOA quote when you have it.
See sources and reporting dates
Automatically checked data
These sources are checked automatically through APIs and official pages. Each row shows whether the refresh succeeded, the reporting period, and any dated fallback.
Choose a state to check source status and reporting periods.
Dated reference sources
When no dependable API exists, the app uses a credible published source and keeps its reporting, review, or effective date visible.
NAR 2025 Profile of Home Buyers and SellersBuyer down-payment medians
Guidance verified July 22, 2026Fannie Mae maintenance guidanceHome-maintenance reserve rule of thumb
2026 analysisFHFA mortgage-insurance analysisIllustrative borrower PMI-rate range
2024 data · published 2025Urban Institute mortgage-insurance studyIn-force insured-mortgage portfolio data
Page modified February 18, 2026CFPB homebuying budget guidanceMoving, renovations, furnishings, and emergency-cushion planning
Rates effective March 20, 2023HUD FHA mortgage-insurance rulesAnnual and upfront FHA MIP table
Rates effective April 7, 2023 · page updated January 15, 2026VA funding-fee guideMonthly-insurance exemption and one-time fee rules
Current RD Instruction 440.1 · accessed September 1, 2026USDA guaranteed-loan fee scheduleAnnual and upfront Section 502 guarantee fees
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
This product may use the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.