Tiny Home Cost Calculator
The sticker price is just the beginning. See the true total cost of tiny home ownership — land, utilities, permits, and ongoing expenses included.
Your Scenario
$15K$300K
Your Cost Breakdown
Upfront Costs
Home purchase $65,000
Land / lot $0
Utility hookups / setup $8,000
Permits & inspections $3,500
Delivery / setup $3,000
Total Upfront $79,500
Monthly Costs
Lot rent / land payment $0
Loan payment $0
Insurance $100/mo
Utilities (water/electric/gas) $180/mo
Maintenance (avg) $150/mo
Total Monthly $430/mo
5-Year Total Cost of Ownership
Upfront + 60 months of expenses
$105,300
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Calculator Assumptions
- Loan payment assumes 10% down, ~10.5% APR blended estimate, 10-year personal/RV loan
- Land loan (if buying) assumes 20% down, 7% APR rural land loan, 20-year term
- Grid hookup cost: $5K–$15K depending on distance from utilities
- Solar / off-grid setup: $15K–$35K for full system
- Permits: $1K–$8K depending on state regulation level and home type
- Insurance: $75–$200/mo for THOW; $150–$400/mo for foundation homes
- Maintenance: ~1.5% of home value annually
- All costs are estimates. Get local quotes before purchasing.
Ready to compare financing options?
The Loan Calculator compares personal loans, RV loans, and chattel mortgages with current market rates.