# RealCostIQ — Full Page Index for LLM Crawlers

> RealCostIQ provides 160+ free property calculators and 255 US state-level guides for homeowners, buyers, and renovators. No sign-up required. Covers the US (mortgage finance and home maintenance cost estimation), Canada (29 calculators including CMHC, FHSA, land transfer tax, stress test, RRSP HBP — all in CAD with 2026 rules), and India (home loan EMI, stamp duty, construction costs, NRI loans — all in INR). All data based on real contractor pricing and lending benchmarks.

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## Mortgage & Finance Calculators

### Mortgage Calculator
URL: https://realcostiq.com/mortgage-calculator
Description: Calculate monthly mortgage payment (principal + interest), total interest paid over loan life, and full amortization schedule. Supports 15, 20, and 30-year terms. Inputs: home price, down payment, interest rate, loan term.

### Mortgage Affordability Calculator
URL: https://realcostiq.com/mortgage-affordability-calculator
Description: Estimate how much house you can afford based on income, debts, down payment, and interest rate. Uses the 28/36 qualifying rule and front-end/back-end DTI ratios.

### Amortization Calculator
URL: https://realcostiq.com/amortization-calculator
Description: Generate a full month-by-month amortization schedule showing principal, interest, and remaining balance for any mortgage. Includes extra payment analysis.

### PMI Calculator
URL: https://realcostiq.com/pmi-calculator
Description: Calculate Private Mortgage Insurance cost and when PMI drops off. PMI is required when down payment is under 20%. Typical PMI is 0.5–1.5% of loan amount annually.

### DTI Calculator
URL: https://realcostiq.com/dti-calculator
Description: Calculate Debt-to-Income ratio (front-end and back-end). Lenders require DTI under 43% for conventional loans; under 50% for FHA. Shows how much debt you can carry for a given income.

### Closing Costs Calculator
URL: https://realcostiq.com/closing-costs-calculator
Description: Estimate total closing costs (2–5% of purchase price) including origination fees, title insurance, appraisal, prepaid interest, and escrow setup by state.

### Down Payment Savings Calculator
URL: https://realcostiq.com/down-payment-savings-calculator
Description: Calculate how long it will take to save a target down payment given monthly savings contributions and a starting balance.

### HELOC Calculator
URL: https://realcostiq.com/heloc-calculator
Description: Calculate available HELOC credit line, monthly interest-only payments during draw period, and principal+interest payments during repayment period. Based on home equity and LTV limits.

### HELOC vs Cash-Out Refinance Calculator
URL: https://realcostiq.com/heloc-vs-cash-out-refinance-calculator
Description: Compare the true cost of a HELOC vs cash-out refinance side by side. Factors in rate, closing costs, draw period flexibility, and break-even timeline.

### Mortgage Refinance Calculator
URL: https://realcostiq.com/mortgage-refinance-calculator
Description: Calculate monthly savings, break-even point, and lifetime interest savings from refinancing. Factors in closing costs and remaining loan term.

### Refinance Comparison Calculator
URL: https://realcostiq.com/refinance-comparison-calculator
Description: Compare up to three refinance scenarios side-by-side with different rates, terms, and closing costs. Shows break-even and 5/10/lifetime cost for each.

### Home Equity Calculator
URL: https://realcostiq.com/home-equity-calculator
Description: Calculate current home equity, available equity at 80% and 85% LTV, and track equity build-up over time.

### APR Calculator
URL: https://realcostiq.com/apr-calculator
Description: Calculate the true Annual Percentage Rate of a mortgage including origination fees, points, and other upfront costs. APR is always higher than the quoted interest rate.

### FHA Loan Calculator
URL: https://realcostiq.com/fha-loan-calculator
Description: Calculate FHA loan payment including 1.75% upfront MIP and annual MIP (0.55–1.05%). FHA allows 3.5% down with 580+ credit score.

### VA Mortgage Calculator
URL: https://realcostiq.com/va-mortgage-calculator
Description: Calculate VA loan payment including funding fee (1.25–3.3% depending on usage and down payment). VA loans require no down payment or PMI for eligible veterans.

### FHA vs Conventional Calculator
URL: https://realcostiq.com/fha-vs-conventional-calculator
Description: Compare total monthly cost and lifetime cost of FHA vs conventional loan for the same home purchase. Factors in MIP vs PMI, rates, and cancellation rules.

### ARM vs Fixed-Rate Calculator
URL: https://realcostiq.com/arm-vs-fixed-rate-calculator
Description: Compare a 5/1, 7/1, or 10/1 ARM against a 30-year fixed mortgage. Models rate adjustment scenarios and shows break-even timeline.

### 15 vs 30-Year Mortgage Calculator
URL: https://realcostiq.com/15-vs-30-year-mortgage-calculator
Description: Side-by-side comparison of 15-year vs 30-year mortgage: monthly payment difference, total interest paid, and equity build-up curves.

### Biweekly Mortgage Payment Calculator
URL: https://realcostiq.com/biweekly-mortgage-payment-calculator
Description: Calculate interest savings and payoff acceleration from switching to biweekly payments (26 half-payments/year = 13 full payments). Most borrowers save 4–6 years and $20,000–$40,000.

### Early Mortgage Payoff Calculator
URL: https://realcostiq.com/early-mortgage-payoff-calculator
Description: Calculate how much extra monthly payment you need to pay off your mortgage early by a target date. Shows interest savings and payoff timeline for any extra payment amount.

### Mortgage Points Break-Even Calculator
URL: https://realcostiq.com/mortgage-points-break-even-calculator
Description: Calculate break-even timeline for buying mortgage discount points. Each point costs 1% of loan and reduces rate ~0.25%. Determines if points make sense given your expected stay.

### Mortgage Prequalification Calculator
URL: https://realcostiq.com/mortgage-prequalification-calculator
Description: Estimate maximum loan amount and home price you can qualify for based on income, debts, credit score, and down payment using standard lender guidelines.

### Construction Loan Calculator
URL: https://realcostiq.com/construction-loan-calculator
Description: Calculate interest-only payments during construction phase and permanent mortgage payment after conversion. Models draw schedule and rate lock timing.

### Debt Impact Calculator
URL: https://realcostiq.com/debt-impact-calculator
Description: Calculate how adding a new debt (car loan, student loan, credit card) affects your DTI and maximum mortgage qualification.

### Property Tax Calculator
URL: https://realcostiq.com/property-tax-calculator
Description: Estimate annual and monthly property tax by state and county based on home value. Average US effective property tax rate is 1.1% but varies from 0.3% (Hawaii) to 2.5% (NJ).

### Rent vs Buy Calculator
URL: https://realcostiq.com/rent-vs-buy-calculator
Description: 5–10 year financial comparison of renting vs buying the same home. Factors in opportunity cost on down payment, home appreciation, tax deductions, and total housing cost.

### Rent Calculator
URL: https://realcostiq.com/rent-calculator
Description: Estimate how much rent you can afford based on the 30% income rule and your monthly income and debts.

### Rent to Mortgage Calculator
URL: https://realcostiq.com/rent-to-mortgage-calculator
Description: Convert a monthly rent payment to equivalent mortgage principal — showing what home price you could finance for the same monthly cost.

### Rental Property Calculator
URL: https://realcostiq.com/rental-property-calculator
Description: Calculate rental property cash flow, cap rate, cash-on-cash return, and GRM. Inputs: purchase price, down payment, rent, expenses, vacancy rate.

### Investment Property Cash Flow Calculator
URL: https://realcostiq.com/investment-property-cash-flow-calculator
Description: Detailed rental investment analysis including NOI, cap rate, cash-on-cash return, GRM, and 10-year projection with appreciation and rent growth assumptions.

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## Roofing Calculators

### Roof Replacement Cost Calculator
URL: https://realcostiq.com/roof-replacement-cost-calculator
Description: Estimate full roof replacement cost by square footage, pitch, material (asphalt, metal, tile, flat), and region. National average: $8,000–$22,000 for a 2,000 sq ft home.

### Roof Repair Cost Calculator
URL: https://realcostiq.com/roof-repair-cost-calculator
Description: Estimate roof repair cost for leaks, missing shingles, flashing, and minor damage. Typical repair: $300–$1,500 depending on scope.

### New Roof Installation Cost Calculator
URL: https://realcostiq.com/new-roof-installation-cost-calculator
Description: Estimate new roof installation cost for new construction by material, size, and pitch. Includes decking, underlayment, and drip edge.

### Metal Roofing Cost Calculator
URL: https://realcostiq.com/metal-roofing-cost-calculator
Description: Calculate metal roof cost for standing seam, corrugated, or metal shingle styles. Metal roofing costs $10,000–$40,000 and lasts 40–70 years.

### Asphalt Shingle Calculator
URL: https://realcostiq.com/asphalt-shingle-calculator
Description: Calculate roofing squares, shingle bundles needed, and material cost for asphalt shingle installation. 3 bundles = 1 square (100 sq ft).

### Tile Roof Cost Calculator
URL: https://realcostiq.com/tile-roof-cost-calculator
Description: Estimate clay or concrete tile roof installation cost. Tile roofing costs $15,000–$50,000 due to material weight and structural requirements.

### Flat Roof Cost Calculator
URL: https://realcostiq.com/flat-roof-cost-calculator
Description: Calculate flat or low-slope roof cost for TPO, EPDM, or modified bitumen systems. Flat roofs cost $4–$13 per sq ft installed.

### Roof Area Calculator
URL: https://realcostiq.com/roof-area-calculator
Description: Calculate actual roof surface area from footprint dimensions and pitch. A 2,000 sq ft footprint at 6/12 pitch = ~2,309 sq ft of roof area.

### Roof Cost per Square Foot Calculator
URL: https://realcostiq.com/roof-cost-per-square-foot-calculator
Description: Break down roofing quotes into cost per square foot for accurate material and labor comparison.

### Roofing Squares Calculator
URL: https://realcostiq.com/roofing-squares-calculator
Description: Convert roof dimensions to roofing squares (1 square = 100 sq ft). Add waste factor for valleys and hips.

### Roof Pitch Calculator
URL: https://realcostiq.com/roof-pitch-calculator
Description: Calculate roof pitch (rise over run), slope angle in degrees, and pitch multiplier for area calculations from measurements.

### Roof Decking Calculator
URL: https://realcostiq.com/roof-decking-calculator
Description: Calculate OSB or plywood roof decking sheets needed and cost. Decking replacement typically costs $2–$5 per sq ft.

### Roof Underlayment Calculator
URL: https://realcostiq.com/roof-underlayment-calculator
Description: Calculate felt paper or synthetic underlayment rolls needed for roof area. Accounts for overlap and pitch.

### Roof Truss Cost Calculator
URL: https://realcostiq.com/roof-truss-cost-calculator
Description: Estimate roof truss cost by span, spacing, and quantity. Pre-engineered trusses typically cost $35–$150 each installed.

### Roof Vent Calculator
URL: https://realcostiq.com/roof-vent-calculator
Description: Calculate required attic ventilation (net free area) and number of ridge vents or box vents needed. FHA/HUD requires 1 sq ft NFA per 150 sq ft attic.

### Snow Load Roof Calculator
URL: https://realcostiq.com/snow-load-roof-calculator
Description: Calculate roof snow load in psf from snowpack depth and density. Compare against roof's design load capacity.

### Skylight Installation Cost Calculator
URL: https://realcostiq.com/skylight-installation-cost-calculator
Description: Estimate skylight installation cost by size and type (fixed, vented, tubular). Installed cost: $800–$3,500 for standard skylights.

### Gutter Installation Cost Calculator
URL: https://realcostiq.com/gutter-installation-cost-calculator
Description: Estimate gutter installation cost by linear footage, material (aluminum, copper, vinyl), and style (K-style, half-round). Average: $4–$30 per linear foot.

### Downspout Calculator
URL: https://realcostiq.com/downspout-calculator
Description: Calculate number of downspouts needed and total linear footage for proper roof drainage. One downspout per 20–30 linear ft of gutter is standard.

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## HVAC & Insulation Calculators

### HVAC Installation Cost Calculator
URL: https://realcostiq.com/hvac-installation-cost-calculator
Description: Estimate full HVAC system installation cost including central AC, furnace, or heat pump by home square footage and efficiency rating. Average: $5,000–$12,000.

### Central Air Installation Cost Calculator
URL: https://realcostiq.com/central-air-installation-cost-calculator
Description: Estimate central air conditioning installation cost by tonnage, SEER rating, and whether ductwork exists. New AC install: $3,500–$8,000.

### Mini-Split Installation Cost Calculator
URL: https://realcostiq.com/mini-split-installation-cost-calculator
Description: Estimate ductless mini-split system cost by number of zones and BTU capacity. Single-zone: $1,500–$4,500. Multi-zone: $3,000–$10,000+.

### Furnace & AC Replacement Cost Calculator
URL: https://realcostiq.com/furnace-ac-replacement-cost-calculator
Description: Estimate furnace or AC unit replacement cost when swapping existing equipment. Lower cost than new installation since ductwork exists.

### Ductwork Installation Cost Calculator
URL: https://realcostiq.com/ductwork-installation-cost-calculator
Description: Estimate new ductwork installation cost by home size and duct material (sheet metal, flex). New ductwork: $2,000–$6,000 for a typical home.

### Ductwork Replacement Cost Calculator
URL: https://realcostiq.com/ductwork-replacement-cost-calculator
Description: Estimate ductwork replacement cost including removal and disposal of old system. Replacement is more expensive than new installation.

### Attic Insulation Calculator
URL: https://realcostiq.com/attic-insulation-calculator
Description: Calculate insulation material quantity needed for attic by square footage, insulation type, and target R-value. Does not include cost — see cost calculator for pricing.

### Attic Insulation Cost Calculator
URL: https://realcostiq.com/attic-insulation-cost-calculator
Description: Estimate attic insulation installation cost by type (blown-in cellulose, fiberglass, spray foam), current R-value, and target R-value. Includes federal 30% tax credit analysis.

### Attic Insulation Replacement Cost Calculator
URL: https://realcostiq.com/attic-insulation-replacement-cost-calculator
Description: Estimate cost to remove old attic insulation and install new. Old insulation removal adds $1–$2 per sq ft to total project cost.

### Blown-In Insulation Cost Calculator
URL: https://realcostiq.com/blown-in-insulation-cost-calculator
Description: Estimate blown-in cellulose or fiberglass insulation cost for attics and walls. Blown-in insulation costs $1.50–$3.50 per sq ft installed.

### Whole-House Humidifier Installation Cost Calculator
URL: https://realcostiq.com/whole-house-humidifier-installation-cost-calculator
Description: Estimate whole-house humidifier installation cost (bypass, fan-powered, or steam). Installed cost: $400–$1,200 plus HVAC integration.

### Humidifier Maintenance Cost Calculator
URL: https://realcostiq.com/humidifier-maintenance-cost-calculator
Description: Estimate annual humidifier maintenance cost including water panel/pad replacement and servicing.

### Water Heater Replacement Cost Calculator
URL: https://realcostiq.com/water-heater-replacement-cost-calculator
Description: Estimate water heater replacement cost by type (tank, tankless, heat pump) and fuel (gas, electric). Average tank replacement: $900–$2,000 installed.

### Water Heater Maintenance Cost Calculator
URL: https://realcostiq.com/water-heater-maintenance-cost-calculator
Description: Estimate annual water heater maintenance costs including anode rod, flushing, and inspection.

### Water Heater Installation Cost Calculator
URL: https://realcostiq.com/water-heater-installation-cost-calculator
Description: Estimate new water heater installation cost for new construction or first-time installation. Includes permits and code upgrades.

### RO System Installation Cost Calculator
URL: https://realcostiq.com/ro-installation-cost-calculator
Description: Estimate reverse osmosis water filtration system installation cost. Under-sink RO systems: $150–$600 installed. Whole-house: $600–$2,500.

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## Flooring Calculators

### Hardwood Floor Installation Calculator
URL: https://realcostiq.com/hardwood-floor-installation-calculator
Description: Estimate hardwood flooring installation cost by room size, wood species, and finish. Solid hardwood: $6–$12 per sq ft installed. Engineered: $4–$9 per sq ft.

### LVP Flooring Calculator
URL: https://realcostiq.com/lvp-flooring-calculator
Description: Estimate luxury vinyl plank flooring cost by room size and plank thickness (6mil, 8mil, 12mil). LVP: $2–$7 per sq ft installed. Waterproof and DIY-friendly.

### Laminate Flooring Calculator
URL: https://realcostiq.com/laminate-flooring-calculator
Description: Calculate laminate flooring material quantity and cost by room dimensions. Add 10% waste factor. Laminate: $1.50–$5 per sq ft installed.

### Vinyl Flooring Calculator
URL: https://realcostiq.com/vinyl-flooring-calculator
Description: Estimate vinyl sheet or tile flooring cost. Sheet vinyl: $1–$5 per sq ft. Vinyl tile: $2–$6 per sq ft installed.

### Carpet Installation Cost Calculator
URL: https://realcostiq.com/carpet-installation-cost-calculator
Description: Estimate carpet installation cost by room size, carpet grade, and pad thickness. Average: $3–$8 per sq ft installed including pad and labor.

### Tile Flooring Installation Calculator
URL: https://realcostiq.com/tile-flooring-installation-calculator
Description: Estimate ceramic or porcelain tile installation cost by room size and tile size. Tile flooring: $5–$15 per sq ft installed depending on tile cost and pattern complexity.

### Hybrid Resilient Flooring Calculator
URL: https://realcostiq.com/hybrid-resilient-flooring-calculator
Description: Calculate hybrid resilient flooring (rigid core LVP) cost and quantity. Hybrid flooring: $3–$8 per sq ft. Combines waterproof vinyl core with rigid stability.

### Garage Flooring Calculator
URL: https://realcostiq.com/garage-flooring-calculator
Description: Estimate garage floor coating or tile cost. Epoxy coating: $2–$6 per sq ft. Interlocking tiles: $3–$8 per sq ft for a 2-car garage ($600–$1,800 total).

### Gym Flooring Calculator
URL: https://realcostiq.com/gym-flooring-calculator
Description: Estimate rubber gym flooring cost for home or commercial gym. Rubber rolls: $1.50–$4 per sq ft. Horse stall mats: $0.80–$1.50 per sq ft.

### Artificial Grass Calculator
URL: https://realcostiq.com/artificial-grass-calculator
Description: Estimate artificial turf installation cost by square footage. Artificial grass: $8–$20 per sq ft installed including base prep and infill.

### Underfloor Heating Calculator
URL: https://realcostiq.com/underfloor-heating-calculator
Description: Estimate radiant underfloor heating installation cost for electric or hydronic systems. Electric mats: $8–$15 per sq ft. Hydronic: $6–$20 per sq ft installed.

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## Kitchen Remodeling Calculators

### Kitchen Renovation Cost Estimator
URL: https://realcostiq.com/kitchen-renovation-cost-estimator
Description: Estimate full kitchen renovation cost by size and scope (minor refresh, mid-range remodel, upscale renovation). Minor: $5,000–$15,000. Mid-range: $15,000–$40,000. Upscale: $40,000–$100,000+.

### New Kitchen Estimate Calculator
URL: https://realcostiq.com/new-kitchen-estimate-calculator
Description: Get an itemized new kitchen cost estimate by square footage covering cabinets, countertops, appliances, flooring, lighting, and labor.

### Kitchen Cabinet Installation Cost Calculator
URL: https://realcostiq.com/kitchen-cabinet-installation-cost-calculator
Description: Estimate kitchen cabinet installation cost by linear footage and cabinet grade (stock, semi-custom, custom). Stock: $100–$300/lf. Semi-custom: $150–$650/lf. Custom: $500–$1,200/lf.

### Kitchen Cabinet Refinishing Cost Calculator
URL: https://realcostiq.com/kitchen-cabinet-refinishing-cost-calculator
Description: Estimate cost to refinish (strip and restain/repaint) kitchen cabinets. Refinishing costs 30–50% less than replacement: $1,500–$5,000 for average kitchen.

### Cabinet Painting Estimate Calculator
URL: https://realcostiq.com/cabinet-painting-estimate-calculator
Description: Estimate kitchen cabinet painting cost by door count. Professional cabinet painting: $900–$3,000 for typical 30-door kitchen.

### Kitchen Countertop & Cabinet Cost Calculator
URL: https://realcostiq.com/kitchen-countertop-cabinet-cost-calculator
Description: Estimate combined countertop and cabinet replacement cost. Calculates by linear footage and material choice (laminate, quartz, granite, marble).

### Quartz Worktop Calculator
URL: https://realcostiq.com/quartz-worktop-calculator
Description: Estimate quartz countertop cost by square footage and edge profile. Quartz countertops: $50–$150 per sq ft installed. Includes backsplash slab option.

### Kitchen Backsplash Cost Calculator
URL: https://realcostiq.com/kitchen-backsplash-cost-calculator
Description: Estimate kitchen backsplash installation cost by square footage and tile type. Subway tile: $10–$25 per sq ft installed. Mosaic or natural stone: $20–$50 per sq ft.

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## Other Home Maintenance Calculators

### Home Maintenance Budget Calculator
URL: https://realcostiq.com/home-maintenance-calculator
Description: Calculate recommended annual home maintenance budget. Rule of thumb: 1–3% of home value per year. Factors in home age, size, and condition for a personalized estimate.

### Home Renovation Cost Calculator
URL: https://realcostiq.com/home-renovation-cost-calculator
Description: Hub calculator linking to 60+ specific project cost calculators for roofing, kitchen, flooring, HVAC, and more — with cost range summaries for each project type.

### Home Utility Cost Estimator
URL: https://realcostiq.com/home-utility-cost-estimator
Description: Estimate monthly home utility costs (electricity, gas, water, internet, trash) by home size and US region. Includes regional cost tables for all 50 states.

### Window Replacement Calculator
URL: https://realcostiq.com/window-replacement-calculator
Description: Estimate window replacement cost by window count, size, and style (double-hung, casement, bay). Average window replacement: $300–$900 per window installed.

### Door Installation Calculator
URL: https://realcostiq.com/door-installation-calculator
Description: Estimate interior or exterior door installation cost by door type and material. Exterior door: $500–$2,000 installed. Interior door: $200–$800 installed.

### Garage Door Installation Calculator
URL: https://realcostiq.com/garage-door-installation-calculator
Description: Estimate garage door installation cost by size (single or double), material, and insulation level. Single garage door: $600–$2,500 installed. Double: $800–$4,000.

### Garage Door Repair Cost Estimator
URL: https://realcostiq.com/garage-door-repair-cost-estimator
Description: Estimate garage door repair cost by issue type (spring, cable, panel, opener). Spring replacement: $150–$350. Opener replacement: $250–$600.

### Tree Trimming & Removal Calculator
URL: https://realcostiq.com/tree-trimming-removal-calculator
Description: Estimate tree trimming or removal cost by tree height and trunk diameter. Small tree removal (<30 ft): $200–$700. Large tree (>60 ft): $800–$2,500.

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## Hub Pages

### All Mortgage Calculators
URL: https://realcostiq.com/mortgage-calculators
Description: Directory of all 30 mortgage and real estate finance calculators on RealCostIQ.

### All Roofing Calculators
URL: https://realcostiq.com/roofing-calculators
Description: Directory of all 19 roofing cost and measurement calculators.

### All HVAC & Utilities Calculators
URL: https://realcostiq.com/hvac-utilities-calculators
Description: Directory of HVAC installation, insulation, water heater, and utility cost calculators.

### All Home Maintenance Calculators
URL: https://realcostiq.com/home-maintenance-calculators
Description: Directory of all home maintenance and renovation cost calculators.

### Flooring Calculators Hub
URL: https://realcostiq.com/home-maintenance-calculators/flooring-calculators
Description: Directory of all 11 flooring installation cost and quantity calculators.

### Kitchen Remodeling Calculators Hub
URL: https://realcostiq.com/home-maintenance-calculators/kitchen-remodeling-calculators
Description: Directory of all 8 kitchen renovation and cabinet cost calculators.

### All State Guides
URL: https://realcostiq.com/states
Description: Index of 51 state hub pages with local housing data, property taxes, closing costs, and homebuyer programs.

### Mortgage Payments by State
URL: https://realcostiq.com/states (each state hub links to its own /mortgage-payment hub)
Description: 51 state-level hubs (one per state) indexing 408 price-point pages (8 fixed home prices x 51 states) showing full PITI — principal, interest, property tax, insurance — at each price using real state tax and insurance rates.

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## State Topic Index Pages

National overview pages — each lists all applicable states for that cluster topic with links to the per-state detail page.

### Home Insurance Costs by State
URL: https://realcostiq.com/topics/home-insurance-costs
Description: Homeowners insurance average premiums for all 50 states + DC. Covers why rates vary by state, key risk factors (weather, insurer competition, regulation), and links to per-state cost breakdowns with county-level data.

### Salary to Buy a Home by State
URL: https://realcostiq.com/topics/salary-to-buy-a-home
Description: Income required to buy a median-priced home in each state at 10% and 20% down. Uses Zillow median prices, Freddie Mac 30-yr rate, and HUD 28% front-end DTI rule. Links to per-state affordability gap analysis and most/least affordable counties.

### Down Payment Assistance by State
URL: https://realcostiq.com/topics/down-payment-assistance
Description: Overview of state HFA down payment assistance programs for all 50 states + DC. Covers grants, forgivable loans, and deferred second mortgages. Links to per-state program details with income limits, purchase price caps, and direct apply URLs.

### HOA Costs by State
URL: https://realcostiq.com/topics/hoa-costs
Description: HOA fee averages, prevalence rates, and state HOA laws for the 22 states with highest HOA prevalence. Covers single-family vs. condo fee averages, reserve fund requirements, and buyer protection laws. Available for: florida, nevada, arizona, california, texas, colorado, north-carolina, georgia, washington, utah, virginia, maryland, south-carolina, tennessee, illinois, new-jersey, new-york, pennsylvania, oregon, hawaii, delaware, vermont.

### Flood Insurance by State
URL: https://realcostiq.com/topics/flood-insurance
Description: NFIP policy counts, average premiums, and flood risk zones for the 20 states with highest flood insurance exposure. Covers NFIP vs. private market options, FEMA Risk Rating 2.0 impact, and lender-required zones. Available for: florida, louisiana, texas, new-jersey, new-york, south-carolina, north-carolina, georgia, virginia, mississippi, alabama, pennsylvania, massachusetts, connecticut, maryland, illinois, ohio, michigan, tennessee, kentucky.

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## Guides & Editorial

### First-Time Home Buyer Guide
URL: https://realcostiq.com/first-time-home-buyer-guide
Description: Comprehensive guide covering the home buying process, down payment programs, loan types, mortgage pre-approval, and closing for first-time buyers.

### ARM vs Fixed-Rate Mortgage — Which Mortgage Wins?
URL: https://realcostiq.com/arm-vs-fixed-rate-calculator-which-mortgage-wins
Description: In-depth comparison of adjustable-rate vs fixed-rate mortgages with embedded calculator, break-even analysis, and scenario modeling.

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## State Hub Pages

Each state page shows local housing market data: median home price, property tax rate, effective closing costs, rent-vs-buy ratio, and links to all 5 topic cluster pages.

### Alabama
URL: https://realcostiq.com/states/alabama

### Alaska
URL: https://realcostiq.com/states/alaska

### Arizona
URL: https://realcostiq.com/states/arizona

### Arkansas
URL: https://realcostiq.com/states/arkansas

### California
URL: https://realcostiq.com/states/california

### Colorado
URL: https://realcostiq.com/states/colorado

### Connecticut
URL: https://realcostiq.com/states/connecticut

### Delaware
URL: https://realcostiq.com/states/delaware

### District of Columbia
URL: https://realcostiq.com/states/district-of-columbia

### Florida
URL: https://realcostiq.com/states/florida

### Georgia
URL: https://realcostiq.com/states/georgia

### Hawaii
URL: https://realcostiq.com/states/hawaii

### Idaho
URL: https://realcostiq.com/states/idaho

### Illinois
URL: https://realcostiq.com/states/illinois

### Indiana
URL: https://realcostiq.com/states/indiana

### Iowa
URL: https://realcostiq.com/states/iowa

### Kansas
URL: https://realcostiq.com/states/kansas

### Kentucky
URL: https://realcostiq.com/states/kentucky

### Louisiana
URL: https://realcostiq.com/states/louisiana

### Maine
URL: https://realcostiq.com/states/maine

### Maryland
URL: https://realcostiq.com/states/maryland

### Massachusetts
URL: https://realcostiq.com/states/massachusetts

### Michigan
URL: https://realcostiq.com/states/michigan

### Minnesota
URL: https://realcostiq.com/states/minnesota

### Mississippi
URL: https://realcostiq.com/states/mississippi

### Missouri
URL: https://realcostiq.com/states/missouri

### Montana
URL: https://realcostiq.com/states/montana

### Nebraska
URL: https://realcostiq.com/states/nebraska

### Nevada
URL: https://realcostiq.com/states/nevada

### New Hampshire
URL: https://realcostiq.com/states/new-hampshire

### New Jersey
URL: https://realcostiq.com/states/new-jersey

### New Mexico
URL: https://realcostiq.com/states/new-mexico

### New York
URL: https://realcostiq.com/states/new-york

### North Carolina
URL: https://realcostiq.com/states/north-carolina

### North Dakota
URL: https://realcostiq.com/states/north-dakota

### Ohio
URL: https://realcostiq.com/states/ohio

### Oklahoma
URL: https://realcostiq.com/states/oklahoma

### Oregon
URL: https://realcostiq.com/states/oregon

### Pennsylvania
URL: https://realcostiq.com/states/pennsylvania

### Rhode Island
URL: https://realcostiq.com/states/rhode-island

### South Carolina
URL: https://realcostiq.com/states/south-carolina

### South Dakota
URL: https://realcostiq.com/states/south-dakota

### Tennessee
URL: https://realcostiq.com/states/tennessee

### Texas
URL: https://realcostiq.com/states/texas

### Utah
URL: https://realcostiq.com/states/utah

### Vermont
URL: https://realcostiq.com/states/vermont

### Virginia
URL: https://realcostiq.com/states/virginia

### Washington
URL: https://realcostiq.com/states/washington

### West Virginia
URL: https://realcostiq.com/states/west-virginia

### Wisconsin
URL: https://realcostiq.com/states/wisconsin

### Wyoming
URL: https://realcostiq.com/states/wyoming

---

## State Cluster / Topic Pages

Up to 10 topic-cluster pages exist per state. Pattern: /states/[state-slug]/[topic-slug]

### Universal Topic Slugs (all 51 states)

- cost-of-owning-a-home — True total monthly cost of homeownership (mortgage + insurance + taxes + maintenance + utilities). State-specific breakdown with pre-seeded calculator.
- first-time-homebuyer-programs — All down payment assistance, grant, and loan programs available to first-time buyers in the state.
- closing-costs — Average closing cost percentage and dollar amounts, itemized by fee type, with county-level variation.
- property-tax-guide — Effective property tax rate, median annual tax bill, major exemptions (homestead, senior, veteran), and how to appeal.
- rent-vs-buy — Price-to-rent ratio, break-even timeline, and city-level comparisons of renting vs buying.
- home-insurance-costs — Average homeowners insurance premium, county-level variation, primary risk factors, state backstop program, cheapest and most expensive counties.
- salary-to-buy-a-home — Income required to afford a median-priced home at 10% and 20% down; affordability gap vs. median household income; most and least affordable counties.
- down-payment-assistance — Primary state HFA DPA program details (assistance amount, type, income limits, purchase price cap, apply URL) plus secondary and local stacking programs.

### Conditional Topic Slugs

- hoa-costs — HOA fee averages (single-family and condo), % of listings with HOA, state HOA law, reserve fund requirements, and notable recent law changes. Available in 22 states: florida, nevada, arizona, california, texas, colorado, north-carolina, georgia, washington, utah, virginia, maryland, south-carolina, tennessee, illinois, new-jersey, new-york, pennsylvania, oregon, hawaii, delaware, vermont.

- flood-insurance — NFIP policy count, average premium, % of homes with flood coverage, flood risk level, major risk zones, lender-required zones, NFIP vs. private market, and recent flood losses. Available in 20 states: florida, louisiana, texas, new-jersey, new-york, south-carolina, north-carolina, georgia, virginia, mississippi, alabama, pennsylvania, massachusetts, connecticut, maryland, illinois, ohio, michigan, tennessee, kentucky.

### Example URLs

- https://realcostiq.com/states/texas/cost-of-owning-a-home
- https://realcostiq.com/states/california/first-time-homebuyer-programs
- https://realcostiq.com/states/florida/closing-costs
- https://realcostiq.com/states/new-york/property-tax-guide
- https://realcostiq.com/states/washington/rent-vs-buy
- https://realcostiq.com/states/new-york/home-insurance-costs
- https://realcostiq.com/states/texas/salary-to-buy-a-home
- https://realcostiq.com/states/california/down-payment-assistance
- https://realcostiq.com/states/florida/hoa-costs
- https://realcostiq.com/states/louisiana/flood-insurance

---

## Mortgage Payment by Price Cluster (per state)

Pattern: /states/[state-slug]/mortgage-payment/ (hub) and /states/[state-slug]/mortgage-payment/[price]/ (detail)

Every state has one hub page and 8 price-point detail pages — 51 hubs + 408 detail pages total.

### Hub Page

- /states/[state-slug]/mortgage-payment — Table of all 8 home prices for the state with PITI at 20% and 10% down, linking to each price-point detail page.

### Price-Point Detail Pages

Fixed price points (same 8 for every state): 200000, 250000, 300000, 350000, 400000, 500000, 600000, 750000

Each detail page covers: full PITI breakdown (principal, interest, property tax, insurance, PMI) at 20% and 10% down; 15-year vs. 30-year comparison; income required to qualify at 28%/36% DTI; an embedded mortgage payment widget; an inline DTI calculator; state-vs-national comparison of tax and insurance rates; FAQ; and a price-point comparison table linking to the other 7 prices in the same state.

### Example URLs

- https://realcostiq.com/states/texas/mortgage-payment
- https://realcostiq.com/states/texas/mortgage-payment/400000
- https://realcostiq.com/states/california/mortgage-payment/750000
- https://realcostiq.com/states/florida/mortgage-payment/250000

---

## India Calculators Hub

### India Calculators Hub
URL: https://realcostiq.com/in
Description: 41 free calculators for India — home loan EMI, stamp duty, TDS on property, capital gains tax, construction costs, interior design, NRI home loan, PM Surya Ghar solar subsidy, and more. All in INR with 2026 rates. Sections: Home Finance (10), Home Maintenance (10), Tax & Legal (4), Construction (4), Investment & NRI (5), plus state stamp duty pages (8 states), city guides (6 cities), and 4 buyer guides.

## India Home Finance Calculators

### Home Loan EMI Calculator (India)
URL: https://realcostiq.com/in/home-loan-emi-calculator
Description: Calculate monthly EMI for Indian home loans. Inputs: loan amount (INR), interest rate, tenure (months/years). Shows EMI, total interest, and amortization breakdown. Includes SBI, HDFC, ICICI comparison at June 2026 rates (7.10–8.5%).

### Home Loan Eligibility Calculator
URL: https://realcostiq.com/in/home-loan-eligibility-calculator
Description: Calculate maximum home loan amount based on monthly income, existing EMIs, and bank's FOIR/NTH criteria. Shows in-hand salary required for various loan amounts.

### Stamp Duty Calculator India
URL: https://realcostiq.com/in/stamp-duty-calculator
Description: Calculate stamp duty and registration charges for property purchase in India. Covers all 8 major states with male/female/joint buyer rates. Includes circle value vs market value considerations.

### Home Loan Tax Benefit Calculator (Section 80C / Section 24b)
URL: https://realcostiq.com/in/home-loan-tax-benefit-calculator
Description: Calculate annual tax savings from home loan under Section 80C (principal repayment, up to ₹1.5L) and Section 24(b) (interest deduction, up to ₹2L for self-occupied). Shows old vs new tax regime comparison.

### PMAY Subsidy Calculator
URL: https://realcostiq.com/in/pmay-subsidy-calculator
Description: Calculate PMAY (Pradhan Mantri Awas Yojana) credit-linked subsidy eligibility. EWS/LIG (up to ₹6L loan, 6.5% subsidy), MIG-I (up to ₹9L, 4%), MIG-II (up to ₹12L, 3%).

### Rent vs Buy Calculator (India)
URL: https://realcostiq.com/in/rent-vs-buy-calculator
Description: Compare total cost of renting vs buying a home in India over 5–20 year horizon. Accounts for EMI, maintenance, property appreciation, and rental yield.

### Home Loan Prepayment Calculator
URL: https://realcostiq.com/in/home-loan-prepayment-calculator
Description: Calculate interest savings from lump-sum prepayment of an Indian home loan. Shows months saved, interest saved, and revised EMI schedule.

### GST on Property Calculator
URL: https://realcostiq.com/in/gst-on-property-calculator
Description: Calculate GST applicable on under-construction property purchase in India. GST rates: 5% (without ITC, affordable housing), 1% (affordable housing scheme), 12% (with ITC for commercial).

### Home Loan Balance Transfer Calculator
URL: https://realcostiq.com/in/home-loan-balance-transfer-calculator
Description: Calculate savings from transferring home loan to a lower-rate bank. Shows break-even period after processing fees and whether balance transfer is worthwhile.

### Property Registration Cost Calculator (India)
URL: https://realcostiq.com/in/property-registration-cost-calculator
Description: Calculate total property registration cost in India: stamp duty + registration fee + miscellaneous charges by state. Shows all-in cost beyond purchase price.

## India Home Maintenance Calculators

### Interior Painting Cost Calculator (India)
URL: https://realcostiq.com/in/interior-painting-cost-calculator
Description: Estimate interior painting cost for Indian homes. Inputs: area in sqft/sqm, finish type (basic/standard/premium). Covers labour + materials in INR with 2026 rates by city tier.

### False Ceiling Cost Calculator
URL: https://realcostiq.com/in/false-ceiling-cost-calculator
Description: Calculate false ceiling cost (gypsum board / POP / grid) for Indian homes. Per sqft rate by material type and city. Includes labour and material breakdown.

### Modular Kitchen Cost Calculator
URL: https://realcostiq.com/in/modular-kitchen-cost-calculator
Description: Estimate modular kitchen cost in India. Inputs: kitchen size, shutter finish (laminate/acrylic/PU/lacquer), number of modules. Range: budget to premium.

### Floor Tile Cost Calculator (India)
URL: https://realcostiq.com/in/floor-tile-cost-calculator
Description: Calculate floor tile cost for Indian homes: material cost per sqft + laying charges + adhesive/grout. Tile types: ceramic, vitrified, marble, granite, wooden.

### Pest Control Cost Calculator (India)
URL: https://realcostiq.com/in/pest-control-cost-calculator
Description: Estimate pest control treatment cost in India by flat size (1BHK–4BHK), treatment type (general/termite/bed bugs/cockroach), and frequency (one-time/quarterly/annual).

### AC Service & Installation Cost Calculator
URL: https://realcostiq.com/in/ac-service-cost-calculator
Description: Calculate AC servicing or new installation cost in India. Split/window/cassette types. Service types: basic servicing, deep cleaning, gas refill, installation. Includes floor surcharge for high-rise.

### Waterproofing Cost Calculator
URL: https://realcostiq.com/in/waterproofing-cost-calculator
Description: Estimate waterproofing cost in India. Areas: terrace, bathroom, slab, basement. Methods: crystalline, membrane, liquid-applied, cementitious. Includes 5–10 year warranty comparison.

### Home Renovation Cost Calculator (India)
URL: https://realcostiq.com/in/home-renovation-cost-calculator
Description: Estimate full home renovation cost in India by flat size (1BHK–4BHK+) and scope (cosmetic/partial/full/premium). Shows room-wise breakdown.

### Solar Panel Cost Calculator (India)
URL: https://realcostiq.com/in/solar-panel-cost-calculator
Description: Calculate rooftop solar installation cost in India. System sizes 1kW–10kW. Includes PM Surya Ghar Muft Bijli Yojana subsidy (max ₹78,000), payback period, and monthly savings.

### Water Tank Cleaning Cost Calculator
URL: https://realcostiq.com/in/water-tank-cleaning-cost-calculator
Description: Estimate water tank cleaning cost in India by tank type (overhead/underground/sump), capacity (500L–10,000L+), and service frequency.

## India Tax & Legal Calculators

### TDS on Property Calculator (Form 26QB)
URL: https://realcostiq.com/in/tds-on-property-calculator
Description: Calculate TDS deductible when buying property in India. Section 194-IA: 1% TDS if sale price exceeds ₹50 lakh (resident seller). Section 195: ~22.88% TDS if seller is NRI. Shows Form 26QB filing deadline (30 days) and ₹200/day penalty for late filing.

### Property Capital Gains Tax Calculator (LTCG/STCG)
URL: https://realcostiq.com/in/property-capital-gains-tax-calculator
Description: Calculate capital gains tax on property sale in India. LTCG (held >2 years): 12.5% without indexation (post-23-Jul-2024 rule) or 20% with indexation (pre-23-Jul-2024 transactions). STCG: taxed at income slab. CII = 363 for FY 2024-25. Section 54 exemption guide.

### RERA Delay Compensation Calculator
URL: https://realcostiq.com/in/rera-delay-compensation-calculator
Description: Calculate RERA compensation for delayed possession. Formula: amount paid × MCLR+2% (= 10.15% as of June 2026) ÷ 12 per month. Inline calculator. Links to all 8 state RERA portals.

### Rental Yield Calculator (India)
URL: https://realcostiq.com/in/rental-yield-calculator
Description: Calculate gross and net rental yield for Indian properties. Q1 2026 city benchmarks: Chennai 4.87%, Hyderabad 4–6%, Bangalore 3.5–5.5%, Mumbai 2–2.6%. Shows payback period and net yield after expenses.

## India Construction Calculators

### House Construction Cost Calculator
URL: https://realcostiq.com/in/house-construction-cost-calculator
Description: Estimate house construction cost per sqft in India. Rates by city (Delhi, Mumbai, Bangalore, Hyderabad, Chennai, Pune, Ahmedabad) and quality finish (basic ₹1,200–₹1,800/sqft, mid ₹1,800–₹2,500/sqft, premium ₹2,500–₹3,500/sqft). Stage-wise cost breakdown. Excludes land, architect fees, soil testing.

### Home Interior Design Cost Calculator
URL: https://realcostiq.com/in/home-interior-design-cost-calculator
Description: Estimate home interior design cost in India by BHK size (1BHK ₹3L–₹11L, 2BHK ₹6L–₹20L, 3BHK ₹10L–₹30L, 4BHK ₹16L–₹60L). Room-wise breakdown (modular kitchen, wardrobes, false ceiling, flooring, paint). City index (Mumbai +25–35%, Bangalore baseline).

### Bathroom Renovation Cost Calculator
URL: https://realcostiq.com/in/bathroom-renovation-cost-calculator
Description: Estimate bathroom renovation cost in India. 4 packages: budget (₹50K–₹80K), standard (₹1L–₹1.5L), full upgrade (₹1.5L–₹2.5L), luxury (₹2.5L–₹5L+). Item-wise breakdown: tiles, WC, basin, fittings, geyser, labour. Waterproofing mandatory callout.

### Wardrobe Cost Calculator
URL: https://realcostiq.com/in/wardrobe-cost-calculator
Description: Calculate wardrobe cost in India by finish (laminate ₹800–₹1,100/sqft, acrylic ₹1,200–₹1,800/sqft, PU ₹1,800–₹2,500/sqft, lacquered ₹2,500–₹3,500/sqft) and dimensions. Includes accessories (soft-close, drawers, shoe rack, LED).

## India Investment & NRI Calculators

### Home Loan Bank Comparison Calculator
URL: https://realcostiq.com/in/home-loan-comparison-calculator
Description: Compare home loan rates from 10 major Indian banks (June 2026): Bank of Maharashtra/BOI 7.10% (lowest), HDFC 7.20%, SBI 7.25%, ICICI 7.50%, Axis 8.75% (highest). EMI and total interest comparison at ₹50L and ₹1Cr for 20 years.

### Property vs SIP Calculator
URL: https://realcostiq.com/in/property-vs-sip-calculator
Description: Honest comparison of buying property vs investing in SIP/mutual funds in India over 20 years. Covers 9 comparison factors (returns, liquidity, entry cost, maintenance, leverage, tax, utility, divisibility, transparency). Three scenario comparison: high-growth city, stable metro, SIP-wins.

### NRI Home Loan Calculator
URL: https://realcostiq.com/in/nri-home-loan-calculator
Description: Calculate NRI home loan EMI and eligibility. NRI rates June 2026: SBI 8.75%, HDFC 8.80%, ICICI 8.75%, LIC HFL 8.70% (0.25–0.5% above resident rates). LTV by property value (up to 80% for ≤₹30L). Eligibility: NRE/NRO account, CIBIL 750+, income USD 3–5K/month. FEMA and Section 195 TDS rules.

### EV Home Charger Cost Calculator
URL: https://realcostiq.com/in/ev-home-charger-cost-calculator
Description: Calculate EV home charger installation cost in India. 3.3kW: ₹25K–₹45K total (charger + installation). 7.4kW: ₹50K–₹80K total. Monthly savings vs petrol: ₹6,000–₹10,000/month. Payback period: ~5 months. Apartment installation guide (MoHUA September 2021 circular).

### PM Surya Ghar Subsidy Calculator
URL: https://realcostiq.com/in/pm-surya-ghar-subsidy-calculator
Description: Calculate PM Surya Ghar Muft Bijli Yojana subsidy. Central subsidy: ₹30,000/kW for first 2kW + ₹18,000 for 3rd kW = max ₹78,000. State top-ups: UP (₹15K/kW), Rajasthan (₹17K), Gujarat (₹10K), Delhi (₹2K/kW). Payback period: 3–4 years. 40L+ households solarised as of June 2026.

## India Buyer Guides

### First-Time Home Buyer Guide (India)
URL: https://realcostiq.com/in/first-time-home-buyer-guide
Description: Complete 10-step guide to buying your first home in India — budget and CIBIL (750+ for best rates), down payment (20–35% + stamp duty), RERA verification, loan pre-approval, TDS obligations, registration, and possession. Includes full upfront cost table and tax benefits (Section 80C, 24b).

### NRI Property Buying Guide
URL: https://realcostiq.com/in/nri-property-buying-guide
Description: Complete guide for NRIs buying property in India. What NRIs can buy (residential + commercial; cannot buy agricultural land). FEMA rules. TDS: 1% if seller is resident, ~22.88% if seller is NRI (Section 195). Repatriation: USD 1M/year, NRE freely repatriable, NRO needs Form 15CA/15CB. Required documents.

### RERA Buyer Rights Guide
URL: https://realcostiq.com/in/rera-buyer-rights-guide
Description: Complete guide to RERA rights for Indian home buyers. 8 key rights by section: disclosure (S.4), no unilateral change (S.11), 5-year structural warranty (S.14), delay compensation MCLR+2% (S.18), refund rights (S.18), document access (S.19), complaint right (S.31), recovery as arrears (S.40). 8-step complaint filing process.

### House Construction Cost Guide
URL: https://realcostiq.com/in/house-construction-cost-guide
Description: Complete guide to house construction costs in India. 13-stage cost breakdown (site preparation to contingency), material quantities per 1,000 sqft (cement, TMT steel, bricks, sand, aggregate, tiles, paint) with 2026 rates. 6 ways to save 15–25%: buy materials directly, build outside monsoon, use AAC blocks, get 3+ BOQ quotes, avoid mid-construction changes.

---

## Canada Calculators Hub

### Canada Calculators Hub
URL: https://realcostiq.com/ca
Description: 29 free calculators for Canadian home buyers and owners — CMHC insurance, land transfer tax (ON/BC/QC/AB), FHSA, RRSP HBP, stress test affordability, mortgage penalty, closing costs, condo vs house, pre-construction deposits, and more. All in CAD with 2026 rules including OSFI B-20 qualifying rate (max(rate+2%, 5.25%)) and semi-annual compounding.

## Canada Mortgage Calculators

### Canadian Mortgage Calculator
URL: https://realcostiq.com/ca/mortgage-calculator
Description: Calculate Canadian mortgage payments using semi-annual compounding (effectiveMonthlyRate = (1 + rate/200)^(1/6) - 1). Inputs: purchase price, down payment, amortization (5–30 yr), rate. Shows monthly payment, total interest, and amortization schedule. Includes CMHC insurance if down payment < 20%.

### CMHC Insurance Calculator
URL: https://realcostiq.com/ca/cmhc-insurance-calculator
Description: Calculate CMHC mortgage default insurance premium. Tiers: <10% down → 4.00%, 10–14.99% → 3.10%, 15–19.99% → 2.80%. Maximum insured purchase price: $1.5M (2024 rule). Minimum down payment: 5% on first $500K + 10% on $500K–$999K. Shows premium, premium added to mortgage, and monthly payment impact.

### Mortgage Affordability & Stress Test Calculator
URL: https://realcostiq.com/ca/mortgage-affordability-calculator
Description: Calculate maximum home price using OSFI B-20 stress test. Qualifying rate = max(contractRate + 2%, 5.25%). GDS ratio ≤32%, TDS ratio ≤44%. Inputs: annual income, monthly debts, down payment, rate, amortization. Shows maximum mortgage, maximum purchase price, and qualifying income required.

### Land Transfer Tax Calculator
URL: https://realcostiq.com/ca/land-transfer-tax-calculator
Description: Calculate land transfer tax for Ontario, BC, Quebec, and Alberta (no LTT). Ontario: 0.5%/1%/1.5%/2%/2.5% by bracket. BC Property Transfer Tax: 1%/2%/3%/5%. Quebec: Welcome Tax (droits de mutation). Ontario FTHB rebate: up to $4,000. Toronto municipal LTT included for ON. 2026 rates.

### FHSA Calculator (First Home Savings Account)
URL: https://realcostiq.com/ca/fhsa-calculator
Description: Calculate FHSA tax savings and contribution room. Annual limit: $8,000. Lifetime limit: $40,000. Unused contribution room carries forward (up to $8,000/yr). Tax-deductible contributions (like RRSP) + tax-free withdrawals for first home (like TFSA). Shows immediate tax refund, projected balance, and total tax saved.

### RRSP Home Buyers' Plan Calculator
URL: https://realcostiq.com/ca/rrsp-hbp-calculator
Description: Calculate RRSP Home Buyers' Plan withdrawal and repayment. Up to $35,000 per person ($70,000 per couple) tax-free for first home. Repayment period: 15 years starting 2 years after withdrawal. Shows annual repayment required, tax cost if missed, and break-even vs FHSA comparison.

### Canadian Closing Costs Calculator
URL: https://realcostiq.com/ca/closing-costs-calculator
Description: Estimate total closing costs for Canadian home purchase. Includes land transfer tax, legal fees ($1,500–$2,500), title insurance (~$300), home inspection ($400–$600), HST on fees, moving costs, and adjustments. Province-specific rates for ON, BC, QC, AB.

### Mortgage Break Penalty Calculator
URL: https://realcostiq.com/ca/mortgage-penalty-calculator
Description: Calculate mortgage break penalty for Canadian mortgages. Fixed rate: max(3 months interest, IRD). IRD = (originalRate - currentPostedRate) × remaining balance × remaining years. Variable rate: 3 months interest. Shows which penalty applies and total cost to break mortgage.

### Canada Rent vs Buy Calculator
URL: https://realcostiq.com/ca/rent-vs-buy-calculator
Description: Compare total cost of renting vs buying in Canada over 5–25 years. Accounts for Canadian semi-annual mortgage compounding, CMHC insurance, land transfer tax, property tax, maintenance (1% rule), appreciation, and opportunity cost of down payment invested at market rates.

### Canada Home Renovation Cost Calculator
URL: https://realcostiq.com/ca/home-renovation-cost-calculator
Description: Estimate home renovation costs in Canada by province and project type. Kitchen, bathroom, basement, flooring, roofing with Canadian contractor rates (higher labour costs vs US). Shows cost range, HST/GST impact, and financing options (HELOC, renovation mortgage).

### Mortgage Renewal Calculator
URL: https://realcostiq.com/ca/mortgage-renewal-calculator
Description: Calculate impact of mortgage renewal at a different rate. Shows new monthly payment, total interest over remaining amortization, payment shock if rates increased, and break-even for switching lenders at renewal. Includes early renewal penalty considerations.

### Biweekly Mortgage Calculator (Canada)
URL: https://realcostiq.com/ca/biweekly-mortgage-calculator
Description: Calculate savings from accelerated biweekly payments vs monthly. Semi-annual compounding. Accelerated biweekly = monthly payment / 2 (results in 13 full payments/year). Shows years saved and total interest saved vs standard monthly schedule.

### Rental Property Calculator (Canada)
URL: https://realcostiq.com/ca/rental-property-calculator
Description: Calculate rental property cash flow and ROI in Canada. Inputs: purchase price, rent, mortgage details, property tax, insurance, maintenance. Shows NOI, cap rate, cash-on-cash return, and break-even rent. Minimum 20% down for investment properties (no CMHC available).

### Property Tax Calculator (Canada)
URL: https://realcostiq.com/ca/property-tax-calculator
Description: Estimate annual property tax across Canadian provinces. Uses assessed value and mill rates. Ontario: ~1.0–1.5%, BC: ~0.5–0.8%, Alberta: ~0.7–1.0%, Quebec: ~0.8–1.2%. Shows annual and monthly property tax amounts.

### HELOC Calculator (Canada)
URL: https://realcostiq.com/ca/heloc-calculator
Description: Calculate Canadian HELOC borrowing capacity and payments. Maximum HELOC: 65% of home value (or 80% combined LTV with mortgage). Interest-only payments on drawn amount. Shows maximum draw, monthly interest cost, and total interest over draw period.

### Canadian Amortization Calculator
URL: https://realcostiq.com/ca/canadian-amortization-calculator
Description: Generate full amortization schedule for a Canadian mortgage with semi-annual compounding. Shows monthly payment, principal, interest, and balance for every period. Supports 5–30 year amortization with CMHC insurance integration.

### Down Payment Savings Calculator (Canada)
URL: https://realcostiq.com/ca/down-payment-savings-calculator
Description: Calculate how long to save for a Canadian down payment. Minimum: 5% (under $500K), 10% on $500K–$999K portion, 20% on $1M+. Includes FHSA ($8K/yr) and RRSP HBP ($35K) contribution strategies. Shows months to goal with different savings rates.

### GST/HST New Housing Rebate Calculator
URL: https://realcostiq.com/ca/gst-hst-rebate-calculator
Description: Calculate GST/HST new housing rebate for newly built homes in Canada. Federal GST rebate: up to $6,300 for homes under $450K. Ontario HST rebate: up to $24,000 on provincial portion. BC rebate on new homes. Shows net HST payable after rebates.

### Canadian Capital Gains Tax Calculator
URL: https://realcostiq.com/ca/capital-gains-tax-calculator
Description: Calculate capital gains tax on Canadian property sale. Inclusion rate: 50% of gains (first $250K annual) then 2/3 (above $250K post-2024 budget). Primary residence exemption. Inputs: purchase price, sale price, capital improvements, holding period. Shows taxable gain and estimated federal/provincial tax.

### Home Equity Calculator (Canada)
URL: https://realcostiq.com/ca/home-equity-calculator
Description: Calculate current home equity in Canada. Equity = current value − outstanding mortgage balance. Shows equity as percentage, usable HELOC capacity (65% LTV rule), and equity growth over time with appreciation and principal paydown.

### Condo vs House Calculator (Canada)
URL: https://realcostiq.com/ca/condo-vs-house-calculator
Description: Compare total cost of owning a condo vs house in Canada over 5–15 years. Property tax: 0.6% condo / 0.8% house. Maintenance: 0.1% condo (+ condo fee) / 1.5% house. Typical appreciation differentials. Shows which is cheaper over the chosen horizon.

### Mortgage Payoff Calculator (Canada)
URL: https://realcostiq.com/ca/mortgage-payoff-calculator
Description: Calculate how extra payments reduce Canadian mortgage term. Scenarios: current only, extra monthly, lump sum, combined. Semi-annual compounding. Shows months saved, interest saved, and payoff date for each scenario.

### Bridge Loan Calculator (Canada)
URL: https://realcostiq.com/ca/bridge-loan-calculator
Description: Calculate bridge financing cost when buying before selling in Canada. Daily interest at bridgeRate/365. Realtor commission ~4%. Lender fee ~$350. Shows total bridge loan cost, daily interest, and net proceeds from existing home sale.

### Pre-Construction Deposit Calculator
URL: https://realcostiq.com/ca/pre-construction-deposit-calculator
Description: Calculate pre-construction condo deposit requirements and occupancy cost in Canada. Deposit tranches (typically 5% at signing, 5% at 90 days, 5% at 270 days, 5% at occupancy). Occupancy fees during interim occupancy. Closing costs ~2.5%.

### Home Insurance Estimator (Canada)
URL: https://realcostiq.com/ca/home-insurance-estimator
Description: Estimate annual home insurance cost in Canada by province and home type. Provincial averages: ON $1,428, BC $1,560, AB $1,320, QC $960, MB $1,080, SK $1,200, NS $1,320. Adjustments for home type (detached/semi/townhouse/condo) and claims history.

### Condo Fee Affordability Calculator (GDS/TDS)
URL: https://realcostiq.com/ca/condo-fee-affordability-calculator
Description: Calculate how condo fees impact mortgage affordability. 50% of monthly condo fee counts in GDS ratio (≤32%). GDS includes mortgage P&I + property tax + heat + 50% condo fee. TDS adds all debts (≤44%). Shows maximum home price after condo fee impact on qualifying.

### First Home Buyer Total Cost Calculator
URL: https://realcostiq.com/ca/first-home-buyer-total-cost-calculator
Description: Calculate total upfront cost to buy your first home in Canada. Includes minimum down payment (5%–20%), CMHC insurance if applicable, land transfer tax (with FTHB rebate), legal fees, inspection, title insurance, FHSA/HBP tax savings. Province-specific for ON, BC, QC, AB.

### Investment Property ROI Calculator (Canada)
URL: https://realcostiq.com/ca/investment-property-roi-calculator
Description: Calculate investment property return in Canada. Full income statement: rent − vacancy − expenses − mortgage = cash flow. Cap rate = NOI/price. Cash-on-cash = annual cash flow / total cash invested. 10-year equity projection. Minimum 20% down (no CMHC for investment).

### Canadian Mortgage Comparison Calculator
URL: https://realcostiq.com/ca/canadian-mortgage-comparison-calculator
Description: Compare three Canadian mortgage scenarios: Rate A 25yr, Rate B 25yr, Rate A 30yr. Shows monthly payment, 5-year term interest, total interest over amortization, and break-even switching costs. Semi-annual compounding throughout.

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## Coming Soon

### Singapore Property Calculators
URL: https://realcostiq.com/sg (not yet live)
Description: Planned calculators for Singapore home buyers — HDB loan vs bank loan comparison, stamp duty (BSD & ABSD), renovation cost estimator, property tax calculator. All in SGD with MAS/IRAS-current rates.

### Australia Property Calculators
URL: https://realcostiq.com/au (not yet live)
Description: Planned calculators for Australian home buyers — mortgage repayment, stamp duty by state, lenders mortgage insurance (LMI), renovation cost estimator. All in AUD with RBA-current rates.