Housing-cost scenarios
Affordability starts with assumptions you can see and change.
Compare a purchase scenario with rent, cash needs, maintenance, and household ratios—without pretending to approve a loan or predict whether buying is better.
Private scenario workspace
Compare the monthly assumptions before comparing homes.
Every value is editable and stays in this browser. The starting numbers are examples—not current rates, tax advice, an insurance estimate, a loan offer, or a statement that you can afford or qualify for a property.
Editable monthly scenario
$6,142 ownership planning total
- Principal + interest
- $4,298
- Property-tax assumption
- $885
- Insurance assumption
- $250
- HOA
- $0
- Maintenance reserve
- $708
- Rent scenario
- $4,260
The ownership inputs are higher than the rent inputs. This is not a break-even calculation.
Housing ÷ gross income34.1%
Housing + entered debts ÷ income39.1%
Illustrative loan amount$680,000Upfront cash assumption$187,000
Ratios are descriptive arithmetic, not underwriting thresholds or approval guidance. The comparison excludes appreciation, rent increases, tax effects, mortgage insurance, utilities, selling costs, opportunity cost, repairs beyond the entered reserve, and transaction-specific terms.
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Important boundary
A real estate professional may help organize the housing decision but does not replace a lender, tax adviser, insurance producer, attorney, or financial adviser.