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🔥 Full Monthly Housing Burn
Hub-internal ·
P1
P6
· Calculator
★ MOST important calc.
Reveals:
"Can we still breathe AFTER owning the house?"
TRUE all-in monthly burden including ALL ownership costs.
Inputs
Principal + Interest ($/mo, $535k @ 6% 30yr Conv97)
Property tax ($/mo, 1.23% on $535k)
PMI ($/mo, 0.5% on $518k loan)
HO Insurance ($/mo)
HOA ($/mo, 0 if SFH)
Electric ($/mo, range 210-500)
Gas ($/mo, ~170 avg)
OR Oil ($/mo, ~325 if oil house)
Water ($/mo)
Sewer ($/mo)
Trash ($/mo)
Landscaping/snow ($/mo)
Maintenance reserve ($/mo)
Repair reserve ($/mo)
Jess contribution ($/mo, cap ~1800)
Josh contribution ($/mo)
Josh total monthly income ($)
🔢 Calculate
— press Calculate (or Enter) to render —
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Action
If burn shortfall > 0:
total contribution doesn't cover full housing burn — need higher contributions OR cheaper house OR cut other expenses.
Josh's housing-to-income ratio should ideally stay ≤28% (Healthy band).
Use this AFTER Reverse Engineer Price card — that calc gives max price, this validates the ongoing burden is sustainable.
Log scenarios at $535k / $625k / $499k home prices with realistic utility estimates to see cushion across budget tiers.