How many years of your life does this home cost?
You found a listing you love. Before you get emotionally invested, find out if it's even possible — in the only unit that matters: years of your life.
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30-year fixed term.
All math runs locally from your inputs. Nothing is stored or sent.
Impossible
At 36% of your income, this mortgage would leave you house-poor.
Years to save down payment 6.0 years
Mortgage as % of income 36%
Total interest you'll pay $459,160 over 30 years
Total life cost 36.0 years years saving + 30 years paying
This home costs you 36.0 years of your life. In London, the same ratio takes 15.8 years; in Houston, 4.2.
Years of life to buy a home — global cities
| City | Price-to-Income | Years to Buy | Median Home Price | Updated |
|---|---|---|---|---|
| Your situation | 6.0 | 36.0 | $450,000 | your input |
| New York | 10.2 | 40.2 | $750,000 | 2024-06 |
| London | 15.8 | 45.8 | $680,000 | 2024-06 |
| Moscow | 22.1 | 52.1 | $250,000 | 2024-06 |
| Hong Kong | 44.0 | 74.0 | $1,200,000 | 2024-06 |
| Tokyo | 11.3 | 41.3 | $480,000 | 2024-06 |
| Berlin | 11.5 | 41.5 | $520,000 | 2024-06 |
| Toronto | 13.5 | 43.5 | $780,000 | 2024-06 |
| Sydney | 13.9 | 43.9 | $850,000 | 2024-06 |
| Houston | 4.2 | 34.2 | $320,000 | 2024-06 |
| Istanbul | 16.8 | 46.8 | $180,000 | 2024-06 |