What does housing really cost?
Most housing comparisons only look at the monthly payment. This calculator shows the full picture — down payments, closing costs, taxes, maintenance, utilities, and the opportunity cost of money tied up in a purchase — minus any equity you'd build.
Co-op Casa's monthly fee covers maintenance, insurance, and utilities. Adjust the inputs below to match your situation and see which option comes out ahead over your chosen time horizon.
⚙ General Assumptions
🏠 Renting
🤝 Co-op Casa
Monthly Co-op Dividend
🏡 Buying
For illustrative purposes only. Not financial advice. Opportunity cost represents what the down payment and closing costs would have grown to if invested at the given return rate. Home equity is subtracted from total buying costs to arrive at true cost.