🏠Real Estate Calculators - Mortgage, Rental Yield & Affordability

The monthly payment is only one piece of the true cost of homeownership. Property taxes, insurance, HOA fees, and maintenance (typically budgeted at 1% of home value annually) add hundreds to thousands of dollars per month depending on the property and location. Our affordability calculator includes all these components alongside the mortgage payment, giving you the complete PITI+M figure—Principal, Interest, Taxes, Insurance, and Maintenance—that determines whether a property fits your budget.

For investment properties, rental yield and cash-on-cash return are the metrics that matter most. Gross yield tells you the ratio of annual rent to purchase price, but net yield—after taxes, insurance, management fees, maintenance, and vacancy allowance—tells you what you'll actually keep. A 7% gross yield on a high-maintenance property in a high-tax jurisdiction can produce a 2% net yield. Our rental calculators compute both so you compare investments on their actual after-expense performance.