A part-time home

Snowbird or second home

The real cost of a home you only live in part of the year: every bill, per night you actually use it, next to renting the same stay.

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Live tool

Try it now

Change any number and everything updates. When it looks right, send it to Morgan.

The home

Price

Down payment

Mortgage rateexample — change to yours

Yearly and monthly costs

Property tax, % of price per yearexample — change to yours

Insurance per yearexample — change to yours

HOA dues per month

Upkeep, % of price per yearexample — change to yours

Utilities and internet per month, all year

Home watch or caretaker per month

How you use it

Nights a year you stay there

nights

Trips a year

trips

Travel cost per trip

Optional

Rental income per year, if you rent it out

Rental costs (cleaning, management, fees), % of rental incomeexample — change to yours

Nightly cost to rent a similar place instead

Real cost per year—

Per night used—

Monthly average—

Principal (equity) in year 1—

Renting instead—

An estimate for planning, not an appraisal, a loan offer, or legal, tax or financial advice.

Behind the numbers

How it works

Every bill, for the full year

Principal and interest (30 years) × 12 + property tax + insurance + HOA × 12 + upkeep + utilities and home watch × 12 + trips × travel cost, minus rental income after rental costs.

Equity

The principal you pay in year one is money that comes back to you when you sell, so the real cost subtracts it.

Per night

The real cost ÷ nights you stay. Renting instead = nights × the nightly rate + the same travel costs.

Adjust it

What each input means

Rate	Second-home and investment loans can be priced differently from a primary home. Use a lender quote.
Utilities and home watch	A home that sits empty still needs power, internet and someone checking on it.
Rental income	Renting a second home can change the loan type, insurance and taxes. Ask before you plan on it.

When to use it

Made for

Snowbirds choosing between owning and renting
A future retirement home
Seeing what part-time renting would cover

Part of a guided path

Buying

Choose the part of town that fits your life first: golf, trails, dining, space, views. Then be first to the right homes, sent to you personally by Morgan.

Find your area
Backyard sun (optional)
Your search
Your plan

About this path

Questions

Good to know

Does renting it out change anything?+

It can change the loan you qualify for, your insurance and your taxes, and some HOAs and towns limit short-term rentals. Check each before counting on rental income.

Is the home’s value change included?+

No. Only principal paid is counted as coming back to you. Any change in value is left out on purpose.

Keep planning