Enter your own loan. You'll see what you still owe, where your payments have gone, and what your house and your payment are worth once inflation is taken out.
A fixed payment shrinks in real terms every year inflation runs. That's why a fixed-rate mortgage quietly works in the borrower's favor when prices rise.
Payments cover principal and interest on a standard fixed-rate loan. Inflation uses annual CPI-U (BLS); the value estimate uses the Shiller national home price index; today's rate is the Freddie Mac 30-year average of 7.03% (Sept 24, 2026). 2026 figures are latest readings, not full-year averages. Property tax uses state-average effective rates on owner-occupied homes (Tax Foundation, 2026, from 2024 Census data), applied to today's value; your bill depends on your county, assessment and exemptions. Insurance defaults to a rough 0.5% of value a year; storm-exposed states often run much higher. ARMs are modeled as adjusting every six months after the fixed period, moving toward the rate you enter within your caps, with the payment re-amortized at each change. The real gain compares today's value with your price in today's dollars and ignores interest, taxes, upkeep and selling costs.