East Bay home budget

East Bay home budget

Compare what different homes cost to carry each month and what it takes to close. Everything you enter is kept in this browser.

Scenarios

Select a scenario to edit it below. Up to six.

Monthly cost, side by side

Property tax by city

Click a city to use its rate and name the scenario after it. Drag to pan; pinch or ⌘/Ctrl+scroll to zoom.

Drawing city boundaries…
Darker shade = higher effective rate

Loan details

$
%
$
% of price

Lender fees, title, escrow, prepaid taxes and insurance. 2–3% is typical.

% APR
10 – 30 years

Monthly payment covers interest only; the full loan balance is due at the end of the term.

Recurring costs

Everything beyond the mortgage that shows up every month.

% of price / yr
$/ yr
$/ mo

Percent of home value set aside per year. 1% is the usual rule of thumb.

$/ mo

All-in monthly cost

$0/ mo

    $0
    Cash to close
    $0
    Loan amount
    $0
    Total interest over term
    Balance due at end of term

    Saved sessions

    Snapshots of every setting, including edited tax rates. Click one to load it.

    City limits: US Census Bureau TIGER/Line places, clipped to the shoreline and simplified; embedded in this file so the map works offline. Tax rates are rough effective rates including local bonds and parcel taxes, not quotes — check the county assessor for a specific parcel. Estimates only; not financial advice.