Free tool

Holding Cost Calculator

Every month a house sits — listed, vacant, or mid-repair — it burns real money. Add up your carrying costs and see what a realistic time-on-market actually costs versus a faster sale. Runs on your device — nothing is submitted.

Total holding cost —

Enter your monthly costs.

Why holding cost changes the math

A listing that "nets more on paper" can lose that edge fast once you count three, four, or six months of mortgage, taxes, insurance, and upkeep on a house that isn't earning you anything. This tool multiplies your real monthly carrying cost by your expected time-on-market, then shows what you'd save by closing sooner instead. It's not a reason to always take the fastest option — just the number most sellers never actually add up before deciding.

See if a faster close beats waiting