Cash Move Planner: Sell in Town, Buy in the Country

What you keep after you sell, buy, fix and move.

Use the tool

Many buyers fund a rural move by selling a home in town. The Cash Move Planner shows what is left after the sale, the purchase, the repairs and the move, and how many years that reserve covers the yearly costs of the new place.

Enter your numbers and see the full chain, from sale price to what you keep, line by line.

AHO Buyer’s Toolkit · Free tool
Cash Move Planner

Selling your house in town to buy in the country? See how much cash you keep after the move, and how many years it covers the costs of owning the new place.

The house you sell
$
$
Agent commission plus the seller’s closing costs. Ask your listing agent for the real figure and change it.
$
Get two quotes from movers. Long moves cost more.
The place you buy
$
$
Not sure? Use our Hidden Costs Estimator.
How we calculate it
  • Buyer closing costs: 3.5% of the price, the middle of the 2% to 5% range from Freddie Mac. Cash buyers skip the lender fees, so theirs are often lower.
  • Yearly cost of owning: property tax at the state’s average effective rate (Tax Foundation 2026), the state’s average home insurance (NAIC, 2022 data) and 1% of the price a year for upkeep. It does not include mortgage payments, utilities or your living costs.
  • Selling costs, moving and repairs are your own numbers. Taxes on the sale of your home are not included: ask a tax professional about the home-sale exclusion.

A planning estimate, not financial advice. A financial advisor or tax professional can look at your full situation.

Good to know

Taxes on the sale of your current home are not included. Ask a tax professional about the home-sale exclusion before you list.

This tool is part of the free AHO Buyer’s Toolkit, a set of tools for people buying an affordable home with land in the United States. For the full checklist before you make an offer, get our free Rural Property Buyer’s Field Guide.