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Can your congregation afford this building?

A church building is a mortgage plus a maintenance bill. Compare the true annual cost against your giving before the board votes.

The building

01 / PRICE
$
$
%
yrs
$

The congregation

02 / GIVING
$
%

Include insurance, maintenance, and utilities in operating costs — the mortgage is only half the bill.

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Count the whole cost.

Mortgage plus upkeep, measured against giving. Enter the numbers the board is looking at.

Last reviewed: October 2026.

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Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.