Real Estate Calculator
Property investment analysis.
Inputs
$
$
$
%
yrs
Result
Net Profit$65,000.00
Total Return18.16%
Annualized (CAGR)3.39%
About the Real Estate Calculator
The Real Estate Calculator estimates the full monthly cost of buying and holding a home — mortgage payment, property tax, insurance, and optional HOA fees — plus loan totals over time.
Calculation method
Standard mortgage amortization plus prorated tax and insurance. Add HOA to see true monthly housing cost.
PITI = Principal & Interest + Tax/12 + Insurance/12 + HOAHow to use this calculator
- Enter home price, down payment, rate, and term.
- Enter annual property tax and insurance rates.
- Add HOA if applicable.
Example
A $500,000 home with 20% down at 6.75% for 30 years, 1.2% tax and 0.5% insurance costs about $3,300 monthly PITI.
Frequently asked questions
What are typical closing costs?
2–5% of the loan for buyers (origination, title, taxes, prepaids). Sellers usually pay 6–10% including agent commissions.
How much home can I afford?
A common rule is housing (PITI) at or below 28% of gross monthly income, total debt at or below 36%.
Should I put down more than 20%?
20% removes PMI. Beyond that, lower cash out for down payment may be worth more invested in the market than the mortgage interest saved.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional for decisions specific to your situation.