U.S. HOME COST INTELLIGENCE

The listing price is only the beginning.

See the full monthly cost of a home in one place—mortgage, property tax, insurance, HOA, utilities, maintenance, and the recurring costs buyers often miss.

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RENT BEFORE YOU BUY

Looking for a rental home?

Search rental listings by U.S. city or ZIP code. We send you to established listing websites so you can check availability, price, and terms directly with the listing provider.

✓ Search by city or ZIP✓ Compare listings from external sites✓ No account needed here

TRUE COST CALCULATOR

Build your complete monthly number

Start with your purchase assumptions, then add the recurring costs you know. The opening amounts are illustrative examples—not a quote or a local data feed. Replace them with your own numbers. Every result clearly separates your inputs from our calculations.

Home and location

Enter a U.S. ZIP code for a county tax benchmark and state electricity data, or a city and state for available statewide benchmarks. Missing local data is not guessed.

ZIP code or cityOptional — used to label your estimate.

Purchase price

Down payment

Mortgage rate

Prefilled with Freddie Mac’s national 30-year average of 7.18% on November 5, 2026. This is not a personal quote; replace it with your lender’s offer. View weekly source.Loan term

Recurring costs

Enter zero if a cost does not apply. Estimates are only as complete as the costs you include.

Annual property tax

Annual home insurance

Monthly HOA

Monthly utilities

Electricity, water, sewer, trash, gas—use your best known total.

Maintenance reserve

% / yr

A planning reserve, not a guaranteed expense.Other monthly costs

PMI, special assessments, recurring fees, or other known costs.

WHY TRUE HOME COST

Built to answer the question listing sites leave behind

One complete number

Instead of stopping at principal and interest, we bring the recurring costs into the same monthly view.

No fake precision

When verified local data is unavailable, we do not make it up. You can enter a known amount and see exactly how it affects the total.

Source-first roadmap

ZIP-based county tax and state electricity benchmarks are available where coverage exists. Each result identifies its source, reporting period, and last update.

DATA ROADMAP

We would rather show “not available” than invent a local cost.

True Home Cost uses public U.S. data where coverage exists: county tax benchmarks for 3,207 counties and state electricity benchmarks for all 50 states plus D.C. Missing local costs remain clearly marked instead of guessed.

U.S. Census BureauHousing and household cost statistics

U.S. Energy Information AdministrationResidential energy pricing

FEMAHazard and risk context

State & local authoritiesTaxes, utilities, and local fees where reliable data exists

BUY WITH A CLEARER NUMBER

Know the recurring cost before it becomes your recurring bill.

Run the calculator