🏠 Homeowner Monthly Rate Estimator

Calculate your total monthly homeownership costs

🏡 Home Purchase Details ▼
$
\$240,000
Regional Rate Map ▼

National 30-Year Fixed Rate Trend

Approximate national monthly averages (estimated). Select an area above to compare its current rate.

TOTAL MONTHLY COST $0
Net monthly cost $0
Net monthly savings $0

Minimum savings needed: $0

Total annual cost $0
Net annual cost $0

Tax break (est.)

Total tax break (monthly) $0

Tax break distribution

Federal (mortgage interest + SALT) $0
State (interest + exemption) $0
of which, SALT (federal) $0

Estimates assume itemized deductions. SALT = property tax + state income tax (capped $40,400 federal, 2026+). Loan limit $750k for interest (federal & CA). State savings: interest + exemption only.

Cost Distribution i Principal is the part of your mortgage payment that pays down the loan balance (builds equity).

Interest is the cost paid to the lender for borrowing money.

The chart below shows how much of your housing cost goes to each category.

Cost over time

Above zero: equity (principal; down payment in cumulative mode). Below zero: interest and other costs. Optional tax benefit offsets costs using per-year deductions. Costs rise annually at year boundaries.

📋 Other Budget Items ▼
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Target savings after housing and other budget items, for investing
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Typical range in Bay area $2,400 – $3,500
$
compared to today
💰 Property Taxes & Insurance ▼
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includes fire, earthquake, etc.
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Private Mortgage Insurance (monthly)
For tax break estimate (itemized deductions)
California top bracket ~9.3% (13.3% with surcharge)
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Included in federal SALT deduction (with property tax, capped)
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e.g. CA exemption ~$900 for ~$7/mo savings at 9.3%
Applied at each year boundary to taxes, insurance, HOA, maintenance, utilities, internet, landscaping, and other (not PMI while active)
🔧 HOA & Utilities ▼
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$
Electric, water, gas, trash, etc.
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🔨 Maintenance & Other Costs ▼
Typical: 3% of home value per year
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$