Free Buyer Tool

How Much House is the HOA Payment Actually Costing You?

Compare the maximum purchase price you can afford on a Single-Family Residence vs. a condo with monthly HOA dues — using the same monthly payment and down payment. Find out what HOA fees are really costing you in buying power.

Your Numbers

Enter your target monthly budget and a few details. Defaults are pre-filled.

Ideal Total Monthly Payment

Down Payment %

Monthly HOA Amount (Condo or Townhouse)

Property Tax Factor (annual % of price)

Interest Rate

Your Max Purchase Price

Same monthly payment. Same down payment. Different buying power.

Single-Family Residence

Condo or Townhouse (with HOA)

Extra Buying Power as SFR

vs. equivalent condo

Estimates assume a 30-year fixed mortgage and include principal, interest, property tax, and HOA (condo). Homeowners insurance and mortgage insurance are not included. Actual loan terms, taxes, and insurance will vary. This is for illustrative purposes only and is not a loan commitment or pre-approval.

Ready to put a real number on it?

Get a personalized purchase-price analysis based on your actual goals, credit, and target neighborhoods.

Custom payment scenarios — SFR, condo, townhome
True cost-of-ownership breakdown
Pre-approval guidance tailored to your timeline

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