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 taxPulled from the assessor when available, otherwise estimated from local effective rates.
- Home insuranceEstimated at 0.35% of home value annually — refined by zip and home age.
- HOA / condo duesTaken 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.