How TrueCost Homes Works

We calculate the REAL cost of homeownership so you can make smarter decisions

1

Search for Homes

Browse thousands of properties with transparent cost information. Filter by location, price range, bedrooms, and moreβ€”just like other real estate sites.

But unlike other sites, every listing shows you the complete monthly cost, not just the list price.

πŸ”
List Price$875,000
True Cost$4,247/month
βœ“ Includes mortgage, taxes, insurance & energy
2

See True Cost Breakdown

Every property shows a complete breakdown of monthly costs:

  • βœ“Mortgage Payment - Principal & interest
  • βœ“Property Tax - Local tax rates
  • βœ“Insurance - Homeowner's coverage
  • βœ“HOA Fees - Association costs
  • βœ“Energy Costs - Monthly utility estimate
πŸ’°
🏠 Mortgage$3,245
πŸ›οΈ Property Tax$729
πŸ›‘οΈ Insurance$146
⚑ Energy$127
Total$4,247/mo
3

Check Energy Efficiency

Our exclusive energy reports show you exactly how much you'll spend on utilities.

πŸ’‘ Pro Tip

An energy-efficient home can save you $200-500 per month compared to similar homes. That's $2,400-$6,000 per year!

Properties are graded A through F based on efficiency. Look for A and B ratings to maximize savings.

A-
Energy Grade
92/100
Monthly Cost$127
Annual Cost$1,524
βœ“ Save $312/mo vs similar homes
4

Compare & Save

Easily compare homes based on their TRUE monthly cost, not just list price.

Two homes with the same list price can have vastly different monthly costs due to taxes, insurance, and energy efficiency.

Our platform helps you find the home that fits your budgetβ€”and your lifestyle.

Property A$4,247/mo
$875,000 β€’ Grade A-
Property B$4,892/mo
$875,000 β€’ Grade C
Save $645/month = $7,740/year with Property A!

How We Calculate True Cost

Mortgage

Based on 20% down payment, current interest rates, and 30-year fixed loan

Property Tax

Local tax rates applied to assessed property value

Insurance

Average homeowner's insurance rates for the area

HOA Fees

Actual association fees from MLS listing data

Energy Costs

Calculated based on home size, age, and efficiency features

Maintenance

Coming soon: Estimated maintenance costs by home age

Ready to Start?

See the real cost of homeownership with complete transparency

Search Properties Now