About HomeMath

HomeMath is a small set of free calculators for the biggest housing question: can I afford this, and is buying or renting smarter where I live? We cover mortgage payments, rent-versus-buy comparisons, and affordability, plus state and city versions with local tax and price examples.

Every tool runs in your browser, so the numbers you type never leave your device. There is no server round-trip, no account, and no profile built about you. The tax rates and home prices we show are typical published values, clearly marked as examples — your real numbers come from a lender or local listing.

We started HomeMath because most rent-versus-buy math online hides the ownership costs (tax, insurance, maintenance, PMI) that quietly decide the answer. Our goal is to put every one of those inputs in front of you, with the formula visible, so you can change any assumption and see the result move.

The calculators are built and maintained by an independent developer who writes the engine and the local data by hand. Content is reviewed for accuracy by a licensed mortgage loan officer before publication, and updated when tax rates or rates shift materially.

HomeMath is an independent project and is not affiliated with any bank, lender, real-estate broker, or government agency. The formulas (loan amortization and the common 28%/36% affordability guideline) are standard, but always confirm with a mortgage professional before you act.

Because tax rates and mortgage rates move, the example figures on each page carry a "last update" note and we refresh them when they shift materially. None of this requires an account, and nothing you calculate is stored or sent anywhere.