Home Affordability Calculator
Calculate how much house you can afford based on income, debts, down payment, and interest rate. See maximum home price and monthly payment breakdown.
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Insurance/mo
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HOA/mo
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Total Interest (Life)
Frequently Asked Questions
How much house can I afford?▾
Most lenders require a debt-to-income ratio below 36-43%. This calculator uses your income, debts, down payment, interest rate, and property taxes to determine your maximum affordable home price.
What is the 28/36 rule?▾
The 28/36 rule says monthly housing costs should not exceed 28% of gross income, and total debt should not exceed 36%.
What is included in a monthly mortgage payment?▾
A full payment (PITI) includes Principal, Interest, property Taxes, and Insurance. This calculator breaks down all components plus PMI if your down payment is under 20%.
Is my data stored?▾
No. All calculations happen in your browser.