Model your United States home search in minutes
Calculate realistic mortgage payments for properties across the United States, from New York to Austin.
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
New York
United States
San Francisco
United States
Miami
United States
- Property taxes vary wildly by state – this tool assumes ~1.2% of purchase price.
- Closing costs often land between 2.5% and 4% depending on lender and state fees.
- Mortgage insurance (PMI) can add $150–$350/mo until you reach 20% equity.
Principal & interest
$4,670
Property tax
$733
Insurance
$100
HOA / Shared costs
$250
Maintenance
$533
Total estimated housing cost
$6,287
Rent benchmark
$3,500
$2,787 more than renting
Cash to close
$104,000
Down payment $80,000 + closing costs $24,000
Recommended household income
$20,117
Keeps housing under ~31% of gross income
- Assumes first-time buyer programs with 10% down in major metro areas.
- Includes HOA fees common for urban condos.
- City pricing pulled from Homi's dataset for New York.
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.