Property Holding Cost Calculator
Holding = (taxes + insurance + utilities + interest) × months.
Result
Total holding cost
$7,800
$1,300/mo × 6 mo.
- Taxes$200/mo
- Insurance$100/mo
- Utilities$150/mo
- Maintenance$100/mo
- Loan interest$750/mo
- Monthly total$1,300
- Months6
- Total$7,800
Step-by-step
- Monthly = tax + ins + util + maint + interest = $1,300.
- Total = 1,300 × 6 = $7,800.
How to use this calculator
- Enter annual taxes + insurance.
- Monthly utilities + maintenance.
- Loan balance + rate.
- Holding period months.
About this calculator
Holding costs accumulate every month a property sits unsold. Five components: property tax (1-2.5%/yr), insurance ($1-2k/yr), utilities ($100-200/mo), grounds + minor maintenance ($50-150/mo), and loan interest (the biggest variable — often $500-1000/mo on a flip loan). A 6-month flip can easily run $5-10k in holding alone. Speed matters: every extra month is real cost.
Frequently asked
4-8 month timeline at $800-1500/month total = $3-12k holding. The longer you hold, the more profit erodes.
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