HOUSING OBSERVATORY · HOME PURCHASE COMPARISON

A clearer view
before you offer.

Compare the asking price with your offer. See the monthly costs, cash needed and tradeoffs using numbers you supply.

No account required · Calculations run in your browser

01 / YOUR NUMBERS

Make the comparison yours.

Starting numbers are an editable example, not current rates or a real property. Replace every assumption with your own quote or record.

Property label (optional)

Asking price ($)Your offer ($)Living area (sq ft)Down payment (%)Interest rate (%)Annual property tax ($)Annual home insurance ($)Monthly HOA ($)Monthly maintenance reserve ($)Monthly mortgage insurance ($)Other upfront closing costs ($)Monthly housing budget ($)Loan term

Tax and insurance use fixed dollar amounts in both scenarios. Mortgage insurance is manual; a zero value does not mean you qualify to avoid it. Closing costs are added to the down payment and should exclude it. A $0 budget disables the budget comparison.

Add up to three comparable closed sales

Use records you have permission to use. Enter completed sale prices, not asking prices. Choose homes with similar location, size, condition and sale timing. We do not verify or adjust these records.

Comparison 1

Closed sale price ($)Living area (sq ft)

Comparison 2

Closed sale price ($)Living area (sq ft)

Comparison 3

Closed sale price ($)Living area (sq ft)

Take your numbers with you.

Reports contain only your inputs and calculations. Direct PDF uses Latin characters; use Print / Save PDF for other scripts. Nothing is uploaded or saved by this tool. Standard site analytics still apply.

What these numbers can tell you.

Payment, not approval

Fixed-rate principal and interest plus the costs you enter. Utilities, moving costs, tax deductions, future appreciation and unexpected repairs are excluded. This is not a lender quote or an affordability approval.

Comparisons, not an appraisal

Price per square foot is a simple comparison. The median of your inputs does not establish fair value. Location, condition, lot size and recent local transactions need separate review.

Explore the wider decision

Compare renting and buying
Estimate seller net proceeds
Check your housing budget