ɪt kæn ˈɔːlsoʊ fˈæktɚɹ ɪn ɐ pətˈɛnʃəl mˈɔːɹɡɪdʒ pˈeɪmənt ænd ˈʌðɚɹ ɐsˈoʊsɪˌeɪɾᵻd hˈaʊzɪŋ kˈɔsts pɹˈɑːpɚɾi tˈæksᵻz, hˈoʊmoʊnɚʃˌɪp dˈuːz, ɛtsˈɛtɹə..
It can also factor in a potential mortgage payment and other associated housing costs (property taxes, homeownership dues, etc.).