What it means
This estimates what it costs to own and run a home each month and year, including the mortgage and typical bills.
Owning
Property running cost calculator
What it costs each month and year to own and run the home.
Why it matters
Ownership costs do not stop at the mortgage. Council tax, insurance and maintenance still hit every year.
When to use it
Use it before you buy, when budgeting after completion, or when comparing two homes with different bills.
How to read the result
Look at the monthly total against your take-home pay. Keep a maintenance cushion for repairs that are not in a normal month.
Your figures
More assumptions
Methodology
Rules checked against published sources as of 2025-04-01.
- Annual total is mortgage payments plus the ownership cost lines you enter.
- Monthly figure is the annual total divided by twelve.
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Pair the numbers with area intelligence for a postcode.
FAQs
Should I include one-off repairs?
Use the maintenance line for a typical annual allowance. Large one-off works are not modelled separately.