What it costs to own

Monthly, all in

$17,381

$208,573/yr at $2.10M, 20% down, 7.40% over 30 yrs

Principal & interest67%$11,604

Property tax13%$2,329

Insurance4%$698

Maintenance10%$1,746

Heat3%$563

Commute3%$441

Your numbers

Purchase price — $2.10M

Down payment

$419,000Interest rate

survey 10/8/2026TermLoan

$1,676,000

20% down

Tax the purchase price, not the current assessment

Connecticut doesn't reassess on sale — you inherit Wilton's current bill ($27,950/yr) until its next revaluation. Tick this to see the bill if it were reassessed at your price.

Include commuting ($441/mo — Demo station pass, parking, fuel)

Cash to close

$481,850

$419,000 down + ~3% costs

Interest over 30 years

$2,501,543

149% of the loan, to the bank

Paid in year one

$208,573

of which $139,251 is the mortgage

If rates move

Principal and interest on this $1,676,000 loan. Everything else in the payment stays put.

6.40%	$10,483/mo	−$1,121
6.90%	$11,038/mo	−$566
7.40%	$11,604/mo	your rate
7.90%	$12,181/mo	+$577
8.40%	$12,768/mo	+$1,164

Estimates, not a quote: insurance 0.40%/yr and maintenance 1.00%/yr of value, heat from the assessor's fuel type, closing costs ~3%, PMI 0.6%/yr below 20% down. Your lender's numbers will differ. What to offer →