Holding Costs Calculator
Calculate the holding costs for your property investment. Understand how mortgage, taxes, insurance, maintenance, and vacancy affect your total ownership expenses.
Step 1: Property Details
Understanding Holding Costs
Holding costs are the expenses you incur while owning a property, including mortgage payments, property taxes, insurance, maintenance, and utilities. These costs continue regardless of occupancy.
Step 2: Monthly Expenses
About Vacancy Rate
Vacancy rate represents the percentage of time your property is expected to be unoccupied. This affects your effective income and should be factored into holding cost calculations for rental properties.
Holding Costs Results
Total Monthly Holding Cost
Property Type Comparison
| Property Type | Avg. Monthly Mortgage | Avg. Monthly Taxes | Avg. Monthly Insurance | Total Monthly Cost |
|---|
Holding Cost Analysis
Holding Cost Formula
Total Monthly Holding Cost = Mortgage + Property Tax + Insurance + Maintenance + (Vacancy × Monthly Rent)
The total holding cost includes all recurring expenses required to maintain ownership of a property. Vacancy costs represent lost rental income when the property is unoccupied.
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