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  • Save MoneyOn food, bills, and everyday expenses
    Save MoneyOn food, bills, and everyday expensesExplore
    • Food
    • Utilities
    • Housing
    • Healthcare
    • Transportation
  • Take ControlCreate budgets, pay debt & build your safety net
    Take ControlCreate budgets, pay debt & build your safety netExplore
    • Budgeting
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    • Debt
    • Savings
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    • Taxes
  • Plan AheadFor retirement, big purchases, and your goals
    Plan AheadFor retirement, big purchases, and your goalsExplore
    • Insurance
    • Homeownership
    • Investing
    • Retirement
    • Life Events
  • Member Benefits
  • About Us
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The Joy of Money book by Carrie Joy Grimes

You don’t have to figure money out alone

Get clear, practical guidance and real-life insights from our CEO, Carrie Joy Grimes, in her new bestseller, The Joy of Money.

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Home /Plan Ahead /

Homeownership

Homeownership

Homeownership is within reach. Here's your roadmap.

Decide if it's time to buy

Use the Joy of Money calculator to compare the true costs of renting versus owning.

How Much Down Payment Do You Really Need? (It’s Not 20%)

Renting Is Not "Throwing Money Away": The Value of Flexibility

Compare rent vs buy
Use our rent vs. buy calculator to get clear data and guidance from Joy of Money to help you decide your next move.
Get started

Build home equity

Make smart moves to build equity faster and get more from your biggest investment.

Four Ways to Find Out Your Home's True Value

Downsizing for Cash: Using Home Equity to Fund Retirement

Access equity tools
Calculate your house's future value at the time you plan to retire.
Gets started

Why trust us?

Why trust us? We're a nonprofit—we work for you, not profit margins, and we protect your privacy.

Explore all 6 homeownership resources

  • Save hundreds on home insurance in under 5 minutes

    Comparing premiums on Insurify can now save you up to $1,100 annually.

  • Save money with community solar

    Save 5–15% on your energy bill through EnergySage’s community solar option

  • Insulate your home for free

    Make your home more energy-efficient for free and you could save an average of $372 or more a year

  • The simplest way to save with solar

    Get free quotes and save up to 20% on rooftop solar with EnergySage

  • Budget-friendly home essentials with Habitat ReStore

    Furnish and renovate while giving back to your community

  • Save $ with a heat pump

    Save 20% on heating and cooling costs by upgrading to a heat pump

Expert tips and strategies

Tips for your financial future

House and Money Sketch
Article
What’s Actually Included in Your Monthly Mortgage Payment?
House with a price tag attached to it
Article
Four Ways to Find Out Your Home's True Value
See all tips and strategies

Stories from our community

“I joined Work Money because of how it helped people and myself to actually live more comfortably! And I am grateful for you! Thank you!”

Everett, Georgia

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Chris D., Illinois