Disclaimer

True Cost provides educational tools and informational estimates. Nothing on this website constitutes financial advice, tax advice, legal advice, or real estate advice.

We are not a licensed financial advisor, tax preparer, CPA, attorney, or real estate broker. You should consult qualified professionals before making decisions based on information from this tool.

We do not recommend or endorse any specific financial products, lenders, or real estate professionals.

Tax brackets, property tax rates, and assessment ratios are based on publicly available data from the IRS, U.S. Census Bureau, HUD, and state revenue departments. Data is updated periodically but may not reflect the most recent changes in tax law or local rates.

Property tax rates shown are county-level estimates derived from median values and may not reflect your specific tax jurisdiction, assessment, exemptions, or special district levies.

Mortgage calculations assume standard amortization and do not account for all possible fees, adjustments, or lender-specific terms.

Buy vs. rent comparisons involve projections based on assumed growth rates. Actual market conditions, investment returns, and costs will vary.

True Cost is provided “as is” without warranties of any kind, express or implied, including but not limited to warranties of accuracy, completeness, fitness for a particular purpose, or non-infringement.

We do not guarantee that the calculator will be error-free or uninterrupted.

To the maximum extent permitted by law, True Cost and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on this tool.

This includes but is not limited to financial losses from purchasing, selling, or renting property based on estimates provided by this tool.

True Cost may contain links to third-party websites or display sponsored content from real estate professionals and lenders. We do not endorse and are not responsible for the content, accuracy, or practices of third-party sites or sponsors.

Sponsored content and advertisements are clearly labeled as such.

Federal tax brackets: Internal Revenue Service (IRS). State tax brackets: individual state departments of revenue. Property tax data: U.S. Census Bureau American Community Survey, HUD ZIP-to-county crosswalk. Mortgage calculations: standard amortization formulas.

We may update this disclaimer from time to time. The most current version will always be available at this page.

For questions about this disclaimer: legal@truehomecosts.com