Total Real Cost Calculator

Real Estate Tools

Calculate the true all-in cost of property ownership, including taxes, insurance, maintenance, vacancy periods, property management, and selling costs. Essential for comprehensive real estate financial planning.

Calculate Total Real Cost

Enter property details and all ownership costs for comprehensive analysis

Property Value ($)

Down Payment (%)

Mortgage Rate (%)

Loan Term (Years)

Annual Property Tax ($)

Annual Insurance ($)

Annual Maintenance ($)

Vacancy Rate (%)

Percentage of time property is vacant

Annual Property Management ($)

Closing Costs ($)

Selling Costs ($)

Holding Period (Years)

Comprehensive Cost Factors

Mortgage: Principal + interest payments

Taxes & Insurance: Property taxes and homeowner's insurance

Maintenance: Repairs and upkeep costs

Vacancy: Lost rental income during vacancies

Management: Property management fees

Transaction Costs: Buying and selling fees

Why All-In Cost Matters

Reveals true ownership cost

Beyond mortgage: Includes all expenses

Investment decisions: Compare with rental income

Financial planning: Avoid unexpected costs

Realistic budgeting: Essential for property owners

Estimation Tips

Use local averages for taxes and insurance

Maintenance: 1-2% of property value annually

Vacancy: Research local rental market

Management: 8-12% of monthly rent

Selling costs: 6-8% of sale price