Your home. Your numbers.
About
MyHousingIQ is a set of free housing calculators. You type the numbers. The page shows an estimate. You do not create an account.
What this site is
Each page is a calculator. It is not a listing service, a brokerage, a lender, an insurer, or a contractor marketplace. It does not take a loan application.
The estimate comes from the fields you fill in. It does not pull a live mortgage rate, a county tax bill, or a local material price.
Liberty IT Technologies & Solutions publishes the calculators so a person can check a number before talking to a lender, an insurer, or a contractor.
Who it is for
Use it if you want a planning figure before a conversation. A buyer can test a payment, a price that fits a budget, or cash due at closing. A renter can test a rent range, move-in cash, or whether buying is ahead after a set number of years. An owner can test a payoff, a refinance, equity, or a repair set-aside. Someone planning a project can test paint, concrete, flooring, or roofing quantities.
The number is a check on your own inputs. It is not an instruction to borrow, buy, or build.
How a result is produced
Open a calculator. The fields start with sample numbers so the page can show a result immediately. Replace them with yours. The formula runs in your browser and the result updates on the same page.
If you change a field away from its sample value, the page can write that input into the address. A copied link can reopen the same estimate. Anyone with the link can see those inputs. Closing the tab does not save the numbers to an account.
The formula for each tool is described on How calculators work. A few longer reads are in the guides.
How the groups differ
Buy starts from a price, a loan, or cash due at closing. Principal and interest use the rate and term you enter. Tax, insurance, and mortgage insurance are added from the amounts you enter. Useful starting points are the mortgage calculator, affordability, down payment, closing costs, and PMI.
Rent starts from rent, income, or a lease. A rent range is a share of gross income. Move-in cash adds the deposits you mark. Rent versus buy compares owning with renting and investing the difference. You type the appreciation and the investment return. They are not a forecast. The rent or buy page and when buying wins read that same comparison.
Improve turns a measurement into an order quantity: yards of concrete, gallons of paint, boxes of flooring, squares of roofing, and similar counts. Waste and coverage are planning figures you can edit where the tool has a field for them. The result is not a bid. Start with paint, concrete, or roofing.
Ownership starts from a balance, a value, or bills you already pay. Payoff walks the balance to zero. Refinance compares two principal-and-interest payments and a break-even on closing costs. Maintenance is a percent of value, not a prediction of the next repair.
Where to go next
How calculators work covers every tool. The guides explain mortgage payments, affordability, rent versus buy, paint, and a concrete slab. The disclaimer says what a result does not decide. Questions about the site go through contact.
Questions
What is MyHousingIQ?
It is a set of free calculators for buying, renting, owning, and improving a home. You enter the numbers. The page shows an estimate. There is no account, no home listing, and no loan application.
Who is MyHousingIQ for?
Use it when you want a planning number before you talk to a lender, an insurer, a landlord, or a contractor. A buyer can check a payment or cash to close. A renter can check a rent range or move-in cash. An owner can check a payoff, a refinance, or a repair budget. A project can start with gallons, yards, or roofing squares.
Who operates MyHousingIQ?
Liberty IT Technologies & Solutions operates the site. It publishes the calculators so a person can check a number before talking to a lender, an insurer, or a contractor.
Is MyHousingIQ a lender or a brokerage?
No. It does not take loan applications, list homes, or send contractor bids. A result is a planning estimate, not an approval or an offer.
Is the number a loan offer?
No. A payment, an affordable price, or a rent-versus-buy result is arithmetic on the numbers you typed. It is not a commitment to lend and not an approval.
How does an estimate differ from a lender quote?
The estimate uses the rate, tax, insurance, mortgage insurance, and fees you type. A lender uses its own rate, credit review, loan program, escrow, and fee sheet. Those can move the payment and the cash due at closing.
How do I use a calculator?
Open the calculator that matches your question. Replace the sample numbers with yours. Read the main result, then the lines under it. Change one field if you want to see what moves. How calculators work explains what each tool returns.
Do I need an account?
No. The calculators run from the numbers you type. Nothing has to be saved to an account.
Does a calculator look up rates or local prices?
No. Mortgage rates, tax bills, insurance premiums, and material prices are not loaded. The formula uses the numbers on the page.
Where do I read how each calculator works?
How calculators work lists every tool, grouped by buy, rent, improve, and ownership, and says which inputs drive the result. Guides explain a few of the bigger tools in more detail.