HouseHack Calculator

By Andrew Zel — California Real Estate Broker (DRE #01278264)

Run the numbers on a 4plex house hack before you make an offer. Enter the purchase price, loan, and rents, and see what you actually pay to live there each month — plus how the numbers change over 30 years.

All figures are estimates for education only. Your lender's actual rate, taxes, insurance, and mortgage insurance will differ.

Your numbers

Purchase price ($)

Down payment (%)

Interest rate (% per year)

Loan term (years)

Property tax ($ per month)

Homeowner's insurance ($ per month)

HOA dues ($ per month, optional)

Total monthly rent from rented units ($)

Rent from the units you do not live in.

Owner-paid utilities ($ per month)

Loan type

Mortgage insurance ($ per month)

FHA standard is 0.55% of the loan amount per year, divided by 12. Edit the amount to use your lender's figure.

Annual appreciation (% per year)

Used only for the future home value row. Defaults to 5% per year — edit to use a different rate.

Loan amount: $0 | Down payment: $0

Monthly results — now

Principal & interest$0

Property tax$0

Homeowner's insurance$0

Mortgage insurance (PMI/MIP)$0

HOA dues$0

Owner-paid utilities$0

Total monthly costs$0

Total rental income$0

Net cash flow$0

Owner's effective housing cost$0

Owning a property will always have other expenses, known and unknown. This calculator shows only known, fixed expenses. Other costs — vacancies, a tenant not paying, a water heater breaking, a new roof, and more — cannot be calculated here.

Projection summary

How the monthly numbers change over time if rents rise 5% per year and property tax, insurance, and utilities rise 3% per year.

	Now	Year 5	Year 10	Year 15	Year 30

Assumptions: fixed-rate loan, so mortgage principal & interest stays flat. HOA stays flat. Mortgage insurance stays flat. Rent grows 5% per year, compounded. Property tax, homeowner's insurance, and owner-paid utilities grow 3% per year, compounded. Future home value compounds at your appreciation rate (5% per year by default).

Ready to go further?

The calculator shows the math. The Playbook walks through the whole house-hack plan step by step.

Get the Playbook