HomeDeckLive
HomeDeck: Know you can afford it — before you fall for the house.
HomeDeck runs your income, savings, state and filing status through a 2026 tax engine with current mortgage rates, then gives every home you’re considering a Green, Yellow or Red verdict.
- IRS 2026 tax rules
- Weekly Freddie Mac rates via FRED
- FHA · VA · USDA · Conventional
- Private by default
What it does
Everything HomeDeck handles for you
Affordability-first search
Filter every listing by true monthly cost — principal, interest, taxes, insurance, PMI and maintenance — not sticker price.
Affordability verdict
A 30-second wizard returns a bank-fit and life-fit score, and a clear path to Green if you’re not there yet.
Buy vs Rent engine
A month-by-month wealth simulation over up to 30 years, with three breakeven points and IRR.
Collectible deck
Save homes like trading cards and compare up to five side by side across 22 dimensions.
Command dashboard
Mortgage-rate watch, readiness score, scenario library and your next-best action in one view.
Smart ZIP alerts
Get notified when homes that actually fit your budget hit the ZIP codes you care about.
How it works
Three steps. No learning curve.
- 1
Build your Financial DNA
Income, savings, monthly debt and state. Two minutes, saved once — every tool auto-fills from it.
- 2
Find a home you like
Search by city or ZIP, filter by real monthly cost and save listings to your deck.
- 3
Get your verdict
Green, Yellow or Red in 30 seconds — with the exact math behind it.
Pricing
Start free. Upgrade when you’re ready.
Free signup with no credit card. HomeDeck is paid for by subscribers, not lenders — no referral fees, no data sales.
Free
$0
10 searches · 5 affordability reports · 3 buy-vs-rent runs
Starter
$5/mo
20 searches · 15 reports · 2 ZIP alerts
Silver
$20/mo
60 searches · save & compare 15 homes
Gold
$50/mo
Unlimited searches, reports and saves
Prices shown are summarized from homedeck.net and may change; the product site is always authoritative.
FAQ
Questions, answered
Related solutions
Is HomeDeck a lender or broker?
No. HomeDeck is not a lender, broker or advisor and takes no lender referral fees. It gives you educational estimates so you walk into those conversations knowing your numbers.
Where does the data come from?
FRED for mortgage rates, FHFA for home-price indices, IRS 2026 tax rules, BLS and RentCast — combined with the financial profile you enter.
Why not just use a free mortgage calculator?
Many basic calculators only compute principal and interest on a round rate. HomeDeck adds state property tax, PMI removal at 80% LTV, SALT and mortgage-interest deductions, loan-program rules and a buy-vs-rent wealth comparison.
Educational estimates only — not financial, legal or real-estate advice.
Ready when you are.
Start on HomeDeck’s free plan today. No credit card required.