Tool

Buyer’s guide

Explore buying costs, compare renting, and check a home before an offer.

1Pick a placeStart here

2Your household

Household income a year, before taxPeople in the householdDown payment

Adjust the rate, your cash, or use a listing’s figures

Mortgage rate, %Freddie Mac’s 30-year average, Oct 22, 2026: 7.32%Cash available for buying

Home-specific figures stay with this place only. Personal assumptions are remembered in this browser. Neither changes published figures.

Purchase priceProperty tax a yearHOA or condo fees a monthFlood insurance a yearMoving costsFirst repairsHomeowners insurance a yearMortgage insurance, % of loan a yearUpkeep, % of price a yearClosing costs, % of priceRents, % a yearSelling commission, %

Saved only in this browser, and shared with the site’s other cost tools.

3The answers

Choose a place to explore buying costs, rent versus buy, and checks before an offer.

Your numbers set against published local figures, by fixed calculations with sources and limits — not AI-written advice. Housing help ↗