Cash payment includes principal and included utilities. Money spent includes utilities here; the bridge excludes them.
- Money gone each monthMoney gone each month. The part of a month of owning that does not come back: interest, tax, insurance, mortgage insurance, utilities, upkeep and any fees. The rest, principal, pays the loan down and stays the owner’s as equity. These are the first month’s figures: each month after, a little more of the payment is principal.
- $1,840
- Typical home Zillow, Sep 2026
- $238,632
- Down payment, 20% money a renter could invest instead
- $47,726
- Mortgage, principalPrincipal. The part of a mortgage payment that pays down the loan itself, rather than interest. It stays yours, as equity in the home. and interest $190,906 at 7.32%
- $1,311/mo
- Property tax no figure for this place
- not included
- Homeowners insurance $2,000 a year, what owners with a mortgage report · Census survey, 2024 · published figure
- $167/mo
- Mortgage insurance none at 20% down · published rule
- $0/mo
- Utilities electricity, gas, water and sewer · Census survey, 2024 · published figure
- $310/mo
- Upkeep 1% of the price a year · rule of thumb
- $199/mo
- HOAHOA. A homeowners or condominium association, which charges owners a monthly fee for shared upkeep and amenities. It is set by each building or community, so no published figure covers it. or condo fees add yours if it applies
- —
- Flood insurance add yours if it applies
- —
- Income to keep it at 30% of payIncome to keep it at 30% of pay. The yearly household income, before tax, at which a month’s cost is 30% of a month’s pay — HUD’s line for cost burden. It is the monthly cost × 12 ÷ 0.3.
- $79,475 a year
