True Lifestyle Cost

On Certihomes, every listing carries a True Lifestyle Cost — the full monthly bill of owning and operating that home, not just the mortgage payment. Here's what goes into it.

• Mortgage (P&I)
  Based on current rates from partner lenders, the home's list price, and a default 20% down. Sign in to use your real rate.
• Property tax
  Pulled from the assessor when available, otherwise estimated from local effective rates.
• Home insurance
  Estimated at 0.35% of home value annually — refined by zip and home age.
• HOA / condo dues
  Taken directly from the listing data.
• Utilities
  $250/mo placeholder — refined by sqft, year built and climate.
• Commute (optional)
  Add your work address and Certihomes adds gas + tolls + maintenance.