Total Cost of Home Ownership Calculator

    This simple calculator will figure your total annual cost of home ownership for purchase price, interest rate,  number of years, and on-going cost amounts.   Just change the numbers in the leftmost boxes below to your own values.  Then click on the "Calculate" button.

    I'll help you estimate the property taxes and homeowners insurance and/or homeowner association costs for any particular home or price range you are interested in, just click on E-Mail Mary Bernas or call her at 941-376-8396.

Sale Price of Home
Percent (%) or Down Payment Amt
Term of Loan (in Years)
Interest Rate (% of 100)

Dollar Amount Financed

Monthly Payment

Annual Loan Cost
Est. Annual Property Taxes
Est. Annual Home Insurance Prem.
Est. Annual Home Assoc. Fees
Est. Annual Home Maint/Repair
Owner's Combined State + Fed. Tax Rate
First Year Mortgage Interest

Tax Reduction for Interest