What does that house really cost?
Type any UK postcode. See the true monthly cost — mortgage, council tax, energy, stamp duty — for every house on the street. Free, fast, and fed by open government data.
Free UK property calculators
Every calculator is free, runs on current rates and thresholds, and needs no signup.
Stamp duty calculator
SDLT, LBTT and LTT with first-time buyer relief, additional-property and non-resident surcharges.
Mortgage calculator
Monthly payment and total interest at today's rates, any term — plus a full rate × term matrix.
Mortgage comparison
Two products side-by-side: fees, fixed periods, overpayments and the principal you actually repay.
15-year mortgage calculator
The aggressive-payoff term: higher monthly payment, roughly half the lifetime interest of a 25-year term.
Affordability calculator
What you could borrow at 4×, 4.5× and 5× loan-to-income — and your maximum purchase price with deposit.
Buy vs rent calculator
Net-wealth comparison with breakeven year — mortgage, maintenance and opportunity cost included.
Rent calculator
The maximum rent that passes letting-agent referencing (30× rule), with 25/30/35% budget bands.
Take-home pay calculator
Salary after income tax, National Insurance, student loan and pension — current-year thresholds.
Term-specific mortgage calculators: 10-year · 15-year · 20-year · 30-year
Why Homecost?
Every UK property listing site shows you the asking price. We show you what it actually costs to live there.
- Verified floor area from EPC certificates — not the agent's guess
- True monthly cost at today's mortgage rate, with council tax and energy
- Personal Stamp Duty for first-time buyers, second homes, non-UK residents
- HomeScore 1-10 comparing this property to its postcode-sector neighbours
Built on open data
We don't compete with portals. We don't scrape listings. We do one thing well: the True Cost calculation, for every UK address. All from open government datasets, attributable, transparent.
HM Land Registry · EPC · ONS · Bank of England — millions of sold prices, every postcode in England, Wales & Scotland