# HouseMath — Mortgage, rent, buy calculator > Home buying financial calculator for mortgage, affordability, and investment comparisons. (iPhone/iPad app by Gray Glen, LLC.) - Source: https://appshunter.io/ios/app/housemath/id6819562236 (this page in markdown: same URL + `.md`) - Developer: [Gray Glen, LLC](https://appshunter.io/developer/6819562238) - Category: Finance, Utilities - Price: Free - Rating: 5.00/5 from 3 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 2 MB - Languages: American English - Released: 2026-10-21 - Data updated: 2026-10-29 - Monetization: free ## What is HouseMath? HouseMath answers the three questions that actually matter when you are buying a home: what will it cost me every month, how much house can I afford, and am I better off buying at all? THREE CALCULATORS Mortgage works out the real monthly cost of a specific house. Principal and interest is only part of it. The property tax, home insurance, mortgage insurance and HOA dues are what turn a cheap-looking loan into a real payment. Affordability works the other way round. Enter your income, your existing debts and the cash you have for a down payment, and it solves for the most expensive house that still fits inside a lender's debt-to-income limit. It shows its working, so you can see how your income caps the loan and the down payment sits on top. Growth compares what your cash could become. Buy a home to live in, or rent and put the difference into stocks or gold, and see where each leaves you in five to thirty years. You can model a refinance too. THE WHOLE PAYMENT Principal and interest, property tax, home insurance, PMI and HOA broken out separately, with a bar showing the real proportions at a glance. REAL AMORTIZATION A complete schedule, by year or by month, with principal, interest and remaining balance for every payment. Charts show the crossover where you finally start paying down more principal than interest, and what the loan costs in total. LOCAL ESTIMATES FROM YOUR ZIP Property tax, home insurance and home price growth are all estimated for your state. Tax is the rate a new buyer actually pays on the purchase price, not the published average that assessment caps distort. Insurance is priced off rebuild cost, because policies cover the structure and not the land. Mortgage tax and insurance estimates can be overridden; Growth tax and home-price growth are editable. PMI HANDLED PROPERLY Below 20% down, mortgage insurance is added automatically at a rate based on your loan-to-value, and switches off again the moment you cross 20%. Or take manual control and set it yourself. The schedule shows the month it drops off at 78% LTV. BUILT ON REAL DATA Growth projections use thirty years of market history: FHFA state house price indices, S&P 500 returns, Treasury yields, World Bank gold prices and CPI. Every rate is shown and every one can be edited. CURRENT RATES Opens with a recent Freddie Mac survey rate and refreshes in the background, so it is current when you have signal and still works when you do not. PRIVATE BY DEFAULT No account, no sign-up, no analytics, no tracking, no ads. Your figures stay on your device and are never sent anywhere. ABOUT THE ESTIMATES Tax and insurance figures are statewide approximations held flat over the life of the loan, and your lender's numbers will differ. The affordability result is a debt-to-income guideline, not a pre-approval. Growth projections apply historical averages evenly forward; markets do not move in straight lines, so they are a projection rather than a prediction. HouseMath is an estimating tool and does not give financial advice. ## Key features - Calculate total monthly homeownership costs - Determine maximum affordable home price - Compare buying versus renting investment growth - Detailed mortgage amortization schedules - Local tax and insurance estimates - Private and ad-free experience ## Is HouseMath safe? Not enough ratings yet to assess HouseMath. ## Is HouseMath legit? HouseMath has limited verification signals. The AppsHunter Legitimacy Score for HouseMath is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Frequently asked questions about HouseMath ### Does HouseMath have ads? No, HouseMath is completely ad-free. The app is designed to provide a private and uninterrupted user experience, with all your financial data staying on your device. ### What is the pricing for HouseMath? HouseMath is available for free. There are no hidden costs or in-app purchases required to use its full functionality. ### What devices does HouseMath support? Currently, HouseMath is available on iPhone. Support for other devices may be considered in future updates. ### How accurate are HouseMath's estimates? HouseMath uses statewide approximations for tax and insurance, which are held flat over the loan's life. Your lender's actual numbers may differ, and affordability results are guidelines, not pre-approvals. ### Can I model a refinance with HouseMath? Yes, you can model a refinance within the 'Growth' calculator section. This allows you to compare different scenarios and see potential long-term financial outcomes. ### How does HouseMath handle mortgage insurance (PMI)? HouseMath automatically adds mortgage insurance for down payments below 20%, based on loan-to-value. It also shows when PMI will drop off and allows for manual control over these settings. ### What data sources does HouseMath use for growth projections? Growth projections are built on thirty years of market history, including FHFA state house price indices, S&P 500 returns, Treasury yields, World Bank gold prices, and CPI. All rates are shown and editable. ### How often is HouseMath updated? The app was last updated on October 24, 2026, with version 1.1. This indicates a recent update, suggesting ongoing development and maintenance. ## Version history (last 2 releases) ### 1.1 — 2026-10-24 New feature: Allows to save a one page PDF summary of any mortgage calculation, suitable printing and ready to email. Bug fix: 1. Fixed: a pasted amount like $800,000.00 could be read as eighty million. Rates and amounts typed in locales that group with periods are read correctly. 2. Fixed: sliders could stop following your finger until you lifted off and tried again. 3. The app now keeps the last mortgage rate it fetched, so it no longer falls back to the default rate it shipped with when it cannot reach the rate service. ### 1.0 — 2026-10-21 No release notes. ## Apps similar to HouseMath | App | Rating | Price | Category | | --- | --- | --- | --- | | [Advanced Mortgage Calculator](https://appshunter.io/ios/app/advanced-mortgage-calculator/id6768905353) | 5.0 (1) | Free | Finance | | [Mortgage Calculator - Bricks](https://appshunter.io/ios/app/mortgage-calculator-bricks/id6754506837) | 5.0 (1) | Free | Finance | | [Cornerstone Bank (NE)](https://appshunter.io/ios/app/cornerstone-bank-ne/id562914308) | 4.8 (2,042) | Free | Finance | | [Loan Calculator - LoanPlan](https://appshunter.io/ios/app/loan-calculator-loanplan/id6739701823) | 4.6 (30) | Free | Finance | | [Loan Calculator - Home Payment](https://appshunter.io/ios/app/loan-calculator-home-payment/id1097378421) | 4.8 (322) | Free | Finance | | [Citi Private Bank In View](https://appshunter.io/ios/app/citi-private-bank-in-view/id400258878) | 4.8 (103) | Free | Finance | ## Related topics [sparrow property calculator](https://appshunter.io/ios/topics/sparrow-property-calculator) · [mortgage calculator for home buyers](https://appshunter.io/ios/topics/mortgage-calculator-for-home-buyers) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-29.*