Apartment Cost Calculator

Calculate all monthly and annual costs for a rental apartment - from mortgage to maintenance reserve.

What costs does a landlord have?

When you rent out an apartment, you pay much more than just the mortgage. Underestimating costs is the most common reason why rental property investments fail to meet expected returns.

  • Mortgage payment - principal + interest
  • Insurance - property and liability
  • Property tax - paid annually, count 1/12
  • Repair fund (HOA) - average 30-40 CZK/m2/month
  • Maintenance and minor repairs - ideally 1% of property value per year
  • Vacancy reserve - 5% of rent
  • Management - 5-10% of rent if delegated

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