Calculators
Three honest tools: what a home really costs each month on Long Island, taxes included, what price range fits your budget, and how this week's rates change your buying power.
30-yr fixed7.18%15-yr6.57%Freddie Mac weekly average, Nov 5, 2026
Start with you, not the listing. Enter your numbers and see a comfortable price and a stretch price, with Long Island taxes built in.
Towns where Donna has closed sales, and where your comfortable price lands against what those homes sold for. OneKey MLS, Donna Barilla closed sales (as of March 2026). Past sales, not today's listings.
Start with a price. See the full monthly cost, not just principal and interest.
$0/month
Same monthly budget, different weeks. Watch how rates change what you can borrow. Updated every Thursday from Freddie Mac.
Estimates only, not a loan offer, approval or rate quote. Rates are the national weekly average from Freddie Mac's Primary Mortgage Market Survey; your rate depends on credit, down payment, loan type and points. Property taxes vary by school district, so use the home's actual tax bill. Comfortable and stretch use common lending guidelines (28%/36% and 36%/43% of gross income). Donna is a real estate salesperson, not a lender: talk to a licensed mortgage loan originator before you decide.
Straight answers
A payment calculator starts with a price and tells you the monthly cost: principal, interest, property taxes, insurance, HOA and mortgage insurance. An affordability calculator starts with you, your income, monthly debts and down payment, and works backward to the price range that fits. Use the second one first, then the first one on specific homes.
Lenders commonly look for total housing costs around 28% of gross monthly income and all monthly debts around 36%, with some loans allowing up to about 43%. On Long Island, property taxes are a big part of the payment, so the same income buys a different price in different school districts. The affordability calculator here uses those guidelines with this week's average rate.
On Long Island, the annual tax bill on a typical home often runs into five figures, so it can add hundreds of dollars a month to the payment. Two homes at the same price can have very different tax bills depending on the town and school district, which is why Donna always checks the actual bill.
Yes. New York charges buyers a mansion tax of 1% of the price on residential purchases of $1 million or more. The calculator flags it when a price reaches $1 million.
It's the national weekly average for a 30-year fixed mortgage from Freddie Mac's Primary Mortgage Market Survey, updated every Thursday. As of Nov 5, 2026 it was 7.18%. Your own rate depends on your credit, down payment, loan type and points.
A year ago (Nov 6, 2025) the 30-year average was 6.22%. This week it's 7.18%.
Book a time with Donna
Tell her your budget and timeline. She'll connect you with a trusted local lender and show you homes that actually fit.
Prefer to reach her directly?
Office: Signature Premier Properties, 750 Route 25A, East Setauket, NY 11733
