Not financial advice. Mortgage FV Calculator is a software calculator, not a personal-finance product or advisory service. It computes standard financial functions and displays the results for your convenience. Nothing here constitutes, or is intended to constitute, financial, investment, tax, legal, mortgage, credit, or insurance advice. Always consult a qualified professional before making any financial decision.
NPV of buying, state by state
A monthly payment tells you what you can cover. Net present value tells you whether the purchase actually beats the alternative use of the same cash. Each page discounts every cash flow of a median-priced home in that state and reports NPV and IRR, nominal and real.
$230,000 median · 0.4% tax
$365,000 median · 1.04% tax
$435,000 median · 0.62% tax
$215,000 median · 0.62% tax
$785,000 median · 0.71% tax
$545,000 median · 0.51% tax
$400,000 median · 1.79% tax
$375,000 median · 0.58% tax
$410,000 median · 0.79% tax
$345,000 median · 0.9% tax
$840,000 median · 0.29% tax
$460,000 median · 0.63% tax
$280,000 median · 2.07% tax
$245,000 median · 0.75% tax
$225,000 median · 1.5% tax
$235,000 median · 1.34% tax
$230,000 median · 0.83% tax
$210,000 median · 0.56% tax
$390,000 median · 1.24% tax
$415,000 median · 1.05% tax
$610,000 median · 1.14% tax
$250,000 median · 1.38% tax
$340,000 median · 1.05% tax
$190,000 median · 0.75% tax
$250,000 median · 0.88% tax
$470,000 median · 0.74% tax
$265,000 median · 1.63% tax
$450,000 median · 0.55% tax
$480,000 median · 1.93% tax
$520,000 median · 2.23% tax
$305,000 median · 0.67% tax
$480,000 median · 1.64% tax
$340,000 median · 0.8% tax
$260,000 median · 0.98% tax
$235,000 median · 1.53% tax
$210,000 median · 0.9% tax
$500,000 median · 0.93% tax
$265,000 median · 1.49% tax
$460,000 median · 1.3% tax
$310,000 median · 0.53% tax
$300,000 median · 1.08% tax
$335,000 median · 0.58% tax
$340,000 median · 1.63% tax
$520,000 median · 0.55% tax
$390,000 median · 1.78% tax
$420,000 median · 0.82% tax
$620,000 median · 0.87% tax
$175,000 median · 0.57% tax
$300,000 median · 1.53% tax
$350,000 median · 0.55% tax
Want the method? Read how the discounted cash-flow model works.