Plan the full cost of buying a home
Where are you buying?
Local rates, taxes, and rules for the US, Canada, and the UK — the same calm, honest tools, localized to where you’re buying. Pick a country to start.
United States
Payment, affordability, taxes and insurance — 50 states + DC.
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Canada
Semi-annual compounding, CMHC, land transfer tax — 13 provinces & territories.
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United Kingdom
Fixed deals, SVR, Stamp Duty / LBTT / LTT — England, Scotland, Wales, NI.
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The Mortgage Ledger is a free mortgage and home-affordability calculator built for three countries at once — every US state and DC, every Canadian province and territory, and all four UK nations. It works out your true monthly cost, what you can afford, and the taxes and insurance that change depending on where you buy.
- United States
- 51 states + DC
- Canada
- 13 provinces & territories
- United Kingdom
- 4 nations
What it calculates
Your full monthly payment — principal and interest plus property tax, home insurance, and mortgage insurance where it applies — not just the loan repayment. Then affordability (how much home your income supports), transaction taxes (US transfer tax, Canadian land transfer tax, UK stamp duty), amortization schedules, overpayment savings, and refinancing.
Everything is localized to the real rules of the place you're buying, because the mechanics genuinely differ: US buyers face property tax and PMI; Canadians face semi-annual compounding, CMHC insurance, and provincial land transfer tax; UK buyers face SDLT, LBTT, or LTT depending on the nation.
Where the numbers come from
Every figure is a verified regional average or benchmark estimate compiled from public and industry sources, each carrying a last-verified date. The same source data feeds the calculators, the region pages, and a downloadable CC BY 4.0 dataset, so nothing you see here can drift from what we publish.
It's educational information, not financial advice, and it's free — independent and ad-supported, with an open methodology you can check.
Who it's for
Home buyers and first-time buyers estimating a realistic cost before they shop; people comparing what a home costs across states, provinces, or nations; and journalists and researchers who need accurate, source-backed numbers for the US, Canada, and the UK.
Frequently asked questions
Is The Mortgage Ledger free to use?
Yes — every calculator and region page is free. The site is independent and ad-supported, with no login required.
Which countries and regions does it cover?
All 51 US states plus DC, all 13 Canadian provinces and territories, and the four UK nations — each with its own local tax, insurance, and mortgage rules.
Are the figures accurate and sourced?
Every number is a verified regional average or benchmark from public and industry sources, each with a last-verified date, documented in the methodology and published as an open dataset.
Is this financial advice?
No. The Mortgage Ledger provides educational estimates to help you plan; it isn't a lender, a broker, or a financial adviser, and figures aren't quotes.