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Compare Two Homes.

Paste two listings. Get a structured side-by-side that goes beyond the headline price — monthly cost, taxes, HOA, maintenance, risk score, and the swing factor that explains the difference.

What it does.

Compare Two Homes runs a Listing Reality Check on each property, normalizes the assumptions (same rate, same down payment), and surfaces the comparison in a structured form. It identifies the swing factor — usually HOA, taxes, or property type maintenance — that explains most of the difference, so you're comparing on substance instead of headline price.

Sample interaction · Compare Two Homes.
Compare these two: zillow.com/listing-A (Frisco, $525K) and zillow.com/listing-B (Plano, $495K)
Pulled both listings. Listing A: 2,140 sqft, HOA $385, built 2014, Frisco ISD. Listing B: 2,260 sqft, no HOA, built 2009, Plano ISD.
Side-by-side at 20% down, 6.75% rate:
· True monthly cost — A: $3,890 · B: $3,640 (gap: $250/mo)
· Effective tax rate — A: 2.0% · B: 2.05%
· Maintenance reserve — A: $437/mo · B: $412/mo
· HOA — A: $385/mo · B: $0
What's interesting: Listing A has a $30K higher price but the HOA is the swing factor. If you'd value the HOA-included amenities (pool, lawn) at $250+/mo, the math evens out. If not, B is the cheaper home over any hold period. Want the 5-year and 10-year totals, or a House Poor Risk comparison?
Underlying tool

The math runs in the Listing Reality Check (run twice).

This AI tool sits on top of a real calculator. The numbers it shows you come from deterministic math, not from a language model's pattern matching. While the AI version is in development, the underlying calculator is fully live — you can run the same math today by clicking through.

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While we build

The calculator layer is live and complete.

Every AI tool layers on top of an existing calculator. The fastest path to an answer today is to use the calculator directly.

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