Five-year forecast tool

Forecast five years of homeownership costs

Choose a state to set statewide starting assumptions, then compare annual costs, estimated equity, and monthly expenses across five years. Every assumption is editable, and scenarios are sensitivity tests—not predictions.

Your home profile

Set your assumptions

Choose a state to load public statewide starting values, then adjust them to your home and bills. County, city, and ZIP are recorded for context only.

Property and location

Choose a state to load statewide starting values. County, city, and ZIP are context only; they do not imply a local quote.

State or District of Columbia

County

City

ZIP code

Property type

Year built

Home purchase price($)

Home size(sq ft)

Annual ownership costs

State selection updates the tax, electric-bill, and reserve starting points. Replace them with your tax bill, insurance quote, utility bills, or reserve plan.

Property tax rate(%)

Homeowners insurance($ / year)

Residential electricity bill($ / month)

Non-electric heating fuel($ / month)

Water and sewer($ / month)

Maintenance reserve($ / year)

Repair reserve($ / year)

HOA fees($ / month)

Financing and forecast assumptions

Mortgage principal and interest are included when the financing inputs are provided.

Down payment($)

Mortgage interest rate(%)

Loan term(years)

Insurance increase(% / year)

Utility and HOA inflation(% / year)

Maintenance reserve increase(% / year)

Home appreciation assumption(% / year)

Your calculator inputs are processed in this page and are not sent to a service provider.

Start with your location

Choose a state to see your estimate

We use state-level data to set starting assumptions for property taxes, purchase mortgage rates, residential electricity, and maintenance and repair reserves. Your city or ZIP does not imply a local quote.

Forecast values use your inputs and selected state’s public starting references. Home values may decline; costs, property-tax proxies, mortgage rates, insurance, and appreciation can differ materially from these scenarios.