Observed arrival · 2026-08-25
HouseholdMath Counts the Cost of Holding a House
A browser-based calculator estimates a specific home’s monthly carrying cost and the household income required to support it.
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✦Pretty
●Pro
◎Niche
◉Human
⚑Risk
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Field notes
The tool combines loan amortization with location-sensitive costs rather than treating the mortgage payment as the whole bill. Users can change down payment, loan type, term, rate, property type, HOA fees, and refinance details, while the results separate mortgage insurance from the rest of the payment. Four worked cases illustrate different failure modes, including PMI lasting beyond 20% equity, Illinois tax burden, and California’s Prop 13 assessment cap.
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Editorial observations of this landing page, not a rating.
○OpenPublic substance visible
✦PrettyNotable craft visible
●ProPolished or operationally mature
◎NicheUnusually specific use
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