Maintenance Reserve

The Maintenance Reserve Calculator helps homeowners and landlords budget for property maintenance and repairs. The industry rule of thumb is 1-2% of property value annually, but actual costs vary based on the home's age, size, construction quality, and climate. Enter your property value, age, and size to see the recommended annual maintenance reserve and monthly set-aside amount. The bar chart shows how maintenance costs tend to increase with property age, with a notable jump for homes over 20 and 40 years old. Deferred maintenance is one of the biggest hidden costs of property ownership. By setting aside money monthly in a dedicated reserve, you can handle roof repairs, HVAC replacements, plumbing issues, and other major expenses without financial stress or resorting to high-interest financing.