How it works
Unrecoverable annual cost = interest + property tax + insurance + value × maintenance rate + HOA.
Input definitions
- Home value
- Enter the value in the labeled unit.
- Annual mortgage interest
- Enter the value in the labeled unit.
- Property tax
- Enter the value in the labeled unit.
- Home insurance
- Enter the value in the labeled unit.
- Maintenance reserve (%)
- Enter the value in the labeled unit.
- Annual HOA
- Enter the value in the labeled unit.
A worked example
- Home value
- 400000
- Annual mortgage interest
- 15000
- Property tax
- 5000
- Home insurance
- 1800
- Maintenance reserve (%)
- 1
- Annual HOA
- 1200
Assumptions & limits
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-19. Content checked against the stated method and examples. Our verification approach.
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Common questions
Why is mortgage principal excluded?
Principal generally converts cash into home equity. This calculator focuses on costs that do not directly build equity.
How does Annual unrecoverable homeownership cost calculate the result?
Unrecoverable annual cost = interest + property tax + insurance + value × maintenance rate + HOA.
What should I verify before using Annual unrecoverable homeownership cost?
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.