Mortgage & Home Calculators

Estimate affordability, mortgage payments, property taxes, ownership costs, and rent-versus-buy tradeoffs — plus payoff, refinance and equity for the mortgage you already hold.

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Featured calculators

Broad tools with the strongest utility and context come first.

🏠Mortgage PaymentEstimate the full monthly cost of a home loan — one you’re taking on, or the one you already have 🏡Home AffordabilityEstimate how much home you can afford ⚖️Rent vs. BuyCompare renting against buying on a monthly basis 📉AmortizationYear-by-year principal vs interest schedule 🧾Property Tax by StateEstimate property tax anywhere

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If you’re buying

Estimate a monthly mortgage paymentMortgage Payment →Set a realistic home-price rangeHome Affordability →Compare renting with buyingRent vs. Buy →Budget the cash you’ll need at closingClosing Costs →

If you already have a mortgage

Pay it off soonerMortgage Payoff →See whether refinancing would pay offMortgage Refinance →Find out how much equity you haveHome Equity →See where every payment actually goesAmortization →

Either way

Compare property taxes by stateProperty Tax by State →Ballpark a homeowners premiumHomeowners Insurance →

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Browse all mortgage & home calculators

Grouped by closely related intent, not one undifferentiated sitewide list.

Buy, rent, own, and invest in property.

Guides: Mortgage & real-estate guide

Buying & Owning (86)

🏠Homeowners Insurance EstimatorGet a ballpark homeowners premium from your rebuild cost, local risk and deductible —…☂️Umbrella InsuranceUmbrella insurance protects your assets from a big lawsuit 🛡️Actual Cash Value CalculatorReplacement cost minus straight-line depreciation — how insurers 🏛️Property Tax by CountyEffective rates & median bills, 800 counties 📐Price per Square FootCompare homes + 2026 metro benchmarks 📉AmortizationYear-by-year principal vs interest schedule 🏠Biweekly MortgagePaying half your mortgage every two weeks sneaks in one extra payment a year 🔑Closing CostsBudget for the cash you’ll need at the closing table 💰Down PaymentSaving for a home?🏠Extra Mortgage PaymentFind out what extra principal does to your mortgage 🏦HELOC PaymentA HELOC has two phases 🏡Home AffordabilityEstimate how much home you can afford 📈Home AppreciationProject what a home could be worth 🏦Home EquityHow much of your home do you actually own — and how much could you borrow?🏡Home Sale ProceedsWhat will you actually walk away with?🏠Mortgage PaymentEstimate the full monthly cost of a home loan — one you’re taking on, or the one you already have 🔓Mortgage PayoffPay off early — months cut & interest saved 🏠Mortgage PointsBuying discount points lowers your rate for an upfront fee 🏠Mortgage RecastA mortgage recast re-amortizes your loan after a lump-sum payment — lowering the monthly…🏠Mortgage RefinanceSee whether refinancing pays off 📦Moving CostEstimate your move and how to staff it 🏠PMI RemovalStill paying PMI?🔄Student Loan RefinanceCould refinancing your student loans save money?🏠FHA LoanFHA payment with upfront & annual MIP 🎖️VA MortgageVA loan payment & funding fee 🏢Real EstateFull rental deal: cash flow, cap rate, IRR 🔁AcreageAcres from length x width in feet, yards, meters 🧊Cubic FeetL × W × H to ft³, yd³ and m³ from any unit 🧊Pipe VolumeGallons & water weight inside any pipe run 🏡Real Estate Commission CalculatorCommission dollars, split, and seller net from sale price 🔨ARV CalculatorAfter repair value and 70%-rule maximum offer 🌾Price per Acre CalculatorNormalize land prices to per acre, per sq ft, per hectare 🧾The U.S. County AtlasEvery U.S 🧾Property Tax by StateEstimate property tax anywhere

Decision maps — see where the answer changes — Open the hub →

Affordability Map

Renting (7)

🏘️Renters InsuranceRenters insurance is cheap protection for your stuff and liability 🗓️Prorated RentMove-in rent by exact days 🏘️How Much Rent Can I Afford?See how much rent you can afford 🏘️Rent IncreaseSee how big a rent increase really is ⚖️Rent vs. BuyCompare renting against buying on a monthly basis 🏠3x Rent CalculatorIncome needed to pass the 3x rent screen 🏢Net Effective Rent CalculatorTrue average monthly rent after free months and concessions

Property Investing (5)

🏢BRRRRAnalyze a BRRRR deal 🏢Cap RateFind a rental property’s capitalization rate and net operating income — then see…🏢Cash-on-Cash ReturnMeasure a rental’s cash-on-cash return: the annual pre-tax cash flow divided by…🏘️Rental Property ROI & Cap RateAnalyze a rental deal the way investors and lenders do 🏦DSCR CalculatorDebt service coverage ratio from income, expenses, payment

Mortgage Scenarios (14)

Monthly mortgage by home price — Open the hub →

$200K house $250K house $300K house $400K house $500K house $600K house $750K house

Work backwards from a monthly payment — what price fits? — Open the hub →

$1,500/mo $2,000/mo $2,500/mo $3,000/mo $3,500/mo $4,000/mo $5,000/mo

Averages & Benchmarks (7)

📊Average Water Use per PersonPer person, per day 82 gal 📊Average Housing ExpensesPer year $26,266 📊Average New Home SizeMedian floor area (2025) 2,142 sq ft 📊Average Lot SizeMedian lot (2025) 8,855 sq ft 📊Average Home Energy CostPer year ~$1,884 📊Average Electricity Bill by StateApprox. national bill ~$140/mo 📊Average Electricity Usage by StateNational (approx.) ~10,500 kWh/yr

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