Co-Buying Calculator

Your Numbers

Annual Income

Your gross income per year

Down Payment Savings

Cash you can put toward a down payment

Current Monthly Rent (optional)

What you pay today

Number of Co-Buyers

Including yourself. Add individual incomes and savings for each co-buyer below.

Co-Buyer 2

Annual Income

Down Payment Savings

Co-Buyer 3

Annual Income

Down Payment Savings

Mortgage Settings

Interest Rate

Mortgage Term

Investment Horizon

How long do you plan to hold?

Includes all time holding the property, even if renting it out

What You Can Buy Today

$600,000

3 co-buyers pooling $120,000 in savings covers the 20% down payment.

Your Buying Ceilings

Income Ceiling$834,437

Savings Ceiling$600,000

Income supports up to $834,437, but savings cap you at $600,000 today. Each person saving $15,630 more would close that gap.

At your maximum price, per person

Mortgage / month$1,011/mo

Total cost / monthIncl. tax, insurance & maintenance$1,528/mo

Equity built / yr (Yr 1)$1,788 principal + $6,000 appreciation*+$7,788/yr

Your Resale Value

Your Share After 5 years

$76,281

Your $40,000 down payment grows to $76,281, a $36,281 gain (1.9× / 13.8% annualized).

$695,564Home value at sale (3% / yr appreciation)

$449,333Remaining mortgage (full shared balance)

$76,281Your net proceeds after closing costs

$95,564Rent you would have paid over 5 yrs (3% / yr growth)

Compare Your Numbers

(scroll to the right)

Town	Median Ownership / Bed	Floor Price	Median Down Payment / Bed	List Count
Arlington, MA	$1,881	$1,526	$51,780	40
Boston, MA	$1,574	$1,022	$43,333	73
Brighton, MA	$1,722	$1,356	$47,400	21
Dorchester, MA	$1,562	$997	$43,000	81
East Boston, MA	$1,792	$1,257	$49,333	25
Hyde Park, MA	$1,535	$1,049	$42,250	60
Jamaica Plain, MA	$1,871	$1,187	$51,500	17
Roxbury, MA	$1,413	$1,253	$38,900	10
South Boston, MA	$1,756	$1,211	$48,333	9
Cambridge, MA	$2,107	$1,569	$58,010	7
Marlborough, MA	$1,402	$863	$38,583	200
Medford, MA	$1,752	$1,262	$48,233	92
Northampton, MA	$1,429	$738	$39,333	97
Somerville, MA	$1,785	$1,283	$49,133	26
Worcester, MA	$1,090	$681	$30,000	200

*Floor Price is the average of the five most affordable co-buying friendly properties in our analysis

*Median monthly cost includes estimates for mortgage, insurance, taxes, utilities, and reserves

*Median down payment per bed assumes 20% down at 6.5% interest over 30-years divided by bedroom count

*List Count contains properties that fit our co-buying criteria that have sold in the last 12 months, as of July 2026

*We have data on 93 total towns. Please reach out if you want to see any others.

See how long until you are ready.

Set your income, savings rate, and target down payment to estimate your timeline.

Annual income per person$60,000

Savings rate15%

Down payment target

Current savings toward your down payment

At 15% savings on $60,000/year, with $0 already saved, you would reach $50,000 in about 5 years and 7 months.

*The above figures are calculated per bedroom. Adjust appropriately if more bedrooms per person are desired.

Have questions about your numbers, your group, or what co-buying could look like for you? We are happy to talk through it. Reach out and we will get back to you promptly.