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Home Affordability Calculator

See how much house you can afford. Enter your income, monthly debts, and down payment to get the maximum home price, loan amount, and monthly payment your budget supports.

Income and monthly debts

Down payment and rate

Loan term

Property tax and insurance

Lending guideline

Everything runs in your browser. Nothing is uploaded.

Maximum home price
304,369
with a 40,000 down payment at 6.5% over 30 years
264,369
Maximum loan
2,100.00
Max monthly payment
Monthly payment breakdown
1,670.99
Principal & interest
279.01
Property tax
150.00
Home insurance

Your income sets the limit: housing is capped at 28% of gross monthly income, or 2,100 per month.

Estimates cover principal, interest, property tax, and home insurance. Mortgage insurance, HOA dues, closing costs, and other living expenses are not included, so treat this as a ceiling and confirm exact figures with your lender.

How to work out how much house you can afford

  1. Enter income and debts

    Type your gross annual income and the total of your existing monthly debt payments like car, card, and student loans.

  2. Add your down payment and rate

    Enter how much cash you have for a down payment, the interest rate you expect, and the loan term.

  3. Choose a lending guideline

    Keep the default 28% and 36% debt-to-income limits, pick FHA limits, or set your own front-end and back-end percentages.

  4. Read your maximum

    The maximum home price, loan amount, and monthly payment breakdown update instantly as you type.

Why use this tool

Front-end and back-end limits

Housing costs are checked against a front-end share of income, and your total debts against a larger back-end share. The tighter of the two sets your budget, exactly as a lender would.

Backs out the home price you qualify for

From your monthly housing budget the tool removes taxes and insurance, solves the mortgage math for the loan amount, and adds your down payment to reach a maximum home price.

Conventional, FHA, or custom limits

Start with the 28% and 36% conventional rule, switch to the FHA 31% and 43% limits, or type your own front-end and back-end percentages to match your lender.

Full monthly payment breakdown

See principal and interest, monthly property tax, and home insurance separately, so you know what the maximum payment is actually made of.

Warns when debts leave no room

If your existing monthly debts already reach the allowed share of income, the tool says so plainly instead of showing an impossible or negative home price.

Private by default

Income, debts, and savings never leave your device. Every calculation runs in your browser and nothing is uploaded, stored, or logged.

About this tool

This home affordability calculator estimates the most expensive house your income and savings can comfortably support. It follows the same debt-to-income test lenders use: housing costs should stay under a front-end share of your gross monthly income, and all your debts together, housing plus car, card, and student loan payments, should stay under a larger back-end share. The default limits are 28% and 36%, the classic conventional guideline, and you can switch to FHA limits or set your own. The tool takes the smaller of the two ceilings as your monthly housing budget, subtracts estimated property tax and home insurance, and works the mortgage math backward to find the loan that fits. Add your down payment and you have a maximum home price.

Use it early, before you tour homes or talk to a lender, to set a realistic target and to see how each lever moves the number. A larger down payment, a lower interest rate, or paying off a car loan all raise what you can afford, while more existing debt lowers it. Once you have a target price, the mortgage calculator breaks down the monthly payment in detail, the loan calculator covers the same repayment math for any borrowing, and the savings goal calculator helps you plan the down payment itself.

These figures are estimates. They cover principal, interest, property tax, and home insurance, but not mortgage insurance, HOA dues, closing costs, or your other living expenses, so treat the result as a ceiling rather than a budget. Lenders also weigh credit score and job history that no calculator can see. Your income, debts, and savings are sensitive numbers, so everything is calculated on your device as you type and nothing is uploaded, stored, or logged.

Frequently asked questions

How much house can I afford?
It depends on your income, debts, down payment, and mortgage rate. This calculator applies the standard debt-to-income test: your housing payment stays under a front-end share of gross monthly income, and all debts together stay under a back-end share. The tighter limit becomes your housing budget, which is converted into a maximum loan and home price.
What are the 28% and 36% rules?
They are common debt-to-income limits. The 28% front-end rule says your monthly housing payment should not exceed 28% of gross monthly income. The 36% back-end rule says all debt payments, housing included, should not exceed 36%. FHA loans often allow 31% and 43% instead.
What is included in the monthly payment?
The maximum payment covers principal, interest, property tax, and home insurance. It does not include mortgage insurance, HOA dues, utilities, or maintenance, so leave room in your budget for those.
Why does it say my debts are too high?
If your existing monthly debt payments already reach the allowed back-end share of your income, there is no room left for a housing payment. Lowering the debts, raising the income, or adjusting the limits will produce a home price.
Does a bigger down payment let me afford more?
Yes. Your down payment is added directly to the loan you qualify for, so a larger deposit raises the maximum home price dollar for dollar, and it also lowers the loan and the monthly interest.
Is my data uploaded anywhere?
No. Your income, debts, savings, and every other figure stay on your device. All calculations run in your browser and nothing is sent to a server, stored, or logged.

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