A real estate site that shows the monthly payment next to the price

The question after the price

Someone looking at a $575,000 condo is already doing a second piece of math in their head, the monthly one. A listing page can leave that to a lender's calculator on another site, or it can answer it where the price sits. I chose to answer it on the page, with a small estimate under the home facts titled "What would the payment be?"

The rest of the site is built around a buyer who wants straight answers. The home page opens with "Tampa Bay, with a waterline," two buttons, and three sample homes. Buy, Sell and Waterfront each get a short card.

An estimate that starts at the home's price

The estimate reads the price from the listing page's own price line, so the Harbour Island condo opens at $575,000. It starts on 20% down, a 30 year term and an example rate of 6.5%, which gives "About $2,908 a month" with a line underneath: "Principal and interest on a $460,000 loan over 30 years at an example rate of 6.5%." The down payment choices are 5%, 10% and 20%, and the dollar amount of the chosen one sits beside the label, $115,000 at 20%. Switch to 15 years and 10% down and the figure becomes $4,508 on a $517,500 loan. I checked both by hand with the standard monthly payment formula.

The price and rate are editable. If a rate falls outside 1% to 15%, or the price is blank, the result disappears and a sentence says what the page needs: "Enter a price, a rate between 1% and 15%, and a down payment below the price." The result area is a polite live region, so a screen reader announces the new figure after a change. The section stays hidden if the page can't read its price, and the form sends nothing and stores nothing.

Saying what the number leaves out

The estimate is principal and interest only, and the page says so in the same place as the figure: "Estimate only. Not a loan offer. Taxes and insurance not included." A second line covers the rest: "HOA, CDD, flood and mortgage insurance aren't in it either. We're not a lender; talk to yours for a real number." The rate field carries its own note, "An example rate. Your lender gives you the real one."

The Buy page backs this up in plain words: get pre-approved before you tour, and not by the brokerage, which is not the lender. The point of the estimate is to give a buyer a rough number without letting it pass for a quote.

Costs a payment can't show

The estimate is followed by pages that deal with the costs it skips. The Buy page spends a section on flood zones and the elevation certificate, getting an insurance quote on the specific address early, and condo documents. The Waterfront page lists six things to check on a waterfront property, from the dock and the seawall to bridge clearance, and has a short section titled "What the waterline actually costs." The condo listing itself says to read the reserve study and the last two years of board minutes before falling for the view.

I wrote these pages as the demo's copy to show where a real brokerage's expertise would go.

Six invented homes, labeled as invented

The Sample homes page lists six properties across Tampa, St. Petersburg and Clearwater, with block-level addresses such as "1200 block, W Watrous Ave" and a "Sample listing" label on every card. Its intro reads "Six illustrated properties across Hillsborough and Pinellas, built to show how the site works. There's no live MLS feed, and nothing here is for sale." The home page says every property was invented for a design concept, and each listing page says its map pin shows the general block and not a specific property.

Filters for city, price range and bedrooms narrow the six, with a count that reads "Showing all 6 sample homes" until a filter is on, and a Clear filters button. If nothing matches, a message says so and suggests loosening a filter. Every page opens with a bar saying Inlet & Oak Realty is not a real company, the footer calls it a fictional brand built for portfolio and design review, the photos are licensed stock, and the demo is set to noindex.

What a real brokerage would change

A real brokerage would change four things. The licensed brokerage name and license details would go in. The sample homes would give way to live listings from an MLS feed, with real addresses and prices. The example rate would be replaced by a lender's real figure or left out. And a licensed person would need to read every line of copy and every required disclosure before it went live, because I design the site and I'm not the real estate professional.

The measured scores

PageSpeed Insights, mobile, October 22, 2026. I ran the live demo's home page through Google's PageSpeed Insights three times on mobile and saved all three reports. The medians are 97 for Performance, 100 for Accessibility, 100 for Best Practices and 69 for SEO. The Performance runs were 97, 97 and 99, so all three were 90 or more. SEO reads 69 because the one check that fails is "Page is blocked from indexing": every concept site carries a noindex tag on purpose, so search engines don't list a business that isn't real.