Model your Norway home search in minutes
Model Norwegian mortgage payments with accurate rates, taxes, and shared costs (fellesutgifter) for Oslo, Bergen, and beyond.
City presets built-in
Start from curated budgets for major metros like New York, Austin, Oslo, and Bergen.
All-in monthly cost
See principal, taxes, insurance, HOA/shared costs, and maintenance on one line.
Rent comparison
Benchmark buying vs. renting with typical long-term rent data for each location.
Popular choices
Oslo
Norway
- Banks follow 5x gross income rules and stress test +3 percentage points on rates.
- Document tax (dokumentavgift) is 2.5% on freehold, none on borettslag shares.
- Expect higher shared costs (fellesutgifter) on co-ops that include heating and cable.
Principal & interest
26 604 kr
Property tax
1 250 kr
Insurance
583 kr
HOA / Shared costs
2 500 kr
Maintenance
3 000 kr
Total estimated housing cost
33 937 kr
Rent benchmark
18 000 kr
15 937 kr more than renting
Cash to close
1 050 000 kr
Down payment 900 000 kr + closing costs 150 000 kr
Recommended household income
108 600 kr
Keeps housing under ~31% of gross income
- First-time buyer scenario with 15% egenkapital.
- Shared costs (fellesutgifter) typical for Oslo/Bergen co-ops.
- City pricing pulled from Homi's dataset for Oslo.
Built on the same data that powers Homi
The calculator shares the exact currency, country, and major city assumptions used when you spin up a collection or city guide. That keeps your scouting conversations and mortgage math in sync.
- Grounded in Homi's location database
- We reuse the same country, currency, and major city budgets that power collections and city guides.
- Adjustable for your scenario
- Change rates, taxes, and costs on the fly—save presets and sanity-check affordability with your team.
- Ready for multi-market searches
- Explore multiple countries with accurate local assumptions. Find your perfect market.
Explore other markets
Interested in comparing mortgage scenarios across different countries? Check out our calculators for other markets.