Budget tool

What a home really costs each month.

The mortgage is only part of it. Add property tax, insurance, heat, and maintenance to see the real monthly number you should budget for before you buy.

Your home
Property tax and insurance are estimates, actuals vary by municipality and property. Maintenance defaults to roughly 1% of the home's value per year, a common rule of thumb.
True monthly cost
Mortgage (principal & interest)
Property tax
Insurance
Heat & utilities
Maintenance set-aside
Condo/strata fee
This is the real number to budget for, not just the mortgage. Lenders qualify you on a slice of this, but your bank account feels all of it.

Have a question about your numbers?

Every situation is different. Send us your details and we’ll walk you through what it means for you, no pressure.

Talk to our team →

The figures shown here are estimates for general guidance only, based on the details you enter and current market data. They are not financial, legal, tax, or appraisal advice, and your actual numbers will vary. Please confirm anything important with a qualified professional, your lender, lawyer, or accountant, before making a decision. We are glad to help you understand what it means for you.

Stay in the loop

Be first to know

Get new Island listings before they hit the portals, plus our monthly market read. No spam, unsubscribe anytime.

💬 Text us 📞 Call ✉ Email