Co-Buying Calculator

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Your gross income per year
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Cash you can put toward a down payment
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What you pay today
Including yourself. Add individual incomes and savings for each co-buyer below.

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

What You Can Buy Today
At your maximum price, per person
Mortgage / month
Total cost / month
Incl. tax, insurance & maintenance
Equity built / yr (Yr 1)
Town Median Ownership / Bed Floor Price Median Down Payment / Bed List Count
Arlington, MA$1,881$1,526$51,78040
Boston, MA$1,574$1,022$43,33373
Brighton, MA$1,722$1,356$47,40021
Dorchester, MA$1,562$997$43,00081
East Boston, MA$1,792$1,257$49,33325
Hyde Park, MA$1,535$1,049$42,25060
Jamaica Plain, MA$1,871$1,187$51,50017
Roxbury, MA$1,413$1,253$38,90010
South Boston, MA$1,756$1,211$48,3339
Cambridge, MA$2,107$1,569$58,0107
Marlborough, MA$1,402$863$38,583200
Medford, MA$1,752$1,262$48,23392
Northampton, MA$1,429$738$39,33397
Somerville, MA$1,785$1,283$49,13326
Worcester, MA$1,090$681$30,000200

*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.

*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.

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