Home Affordability Calculator
Estimate how expensive a house you can afford from your income, debts and down payment.
Results update as you type.
About this calculator
A home affordability calculator estimates the house price you can comfortably buy based on your income, existing monthly debts and down payment. It applies standard lender debt-to-income limits — a front-end housing ratio and a back-end total-debt ratio — to find your maximum monthly payment, then works back to a loan amount and home price.
Frequently asked questions
What are the 28/36 rules?
A common lender guideline: spend no more than 28% of gross monthly income on housing (the front-end ratio) and no more than 36% on all debt including housing (the back-end ratio). This tool takes the lower of the two limits.
Does this include property tax and insurance?
No — it estimates the loan principal and interest you can carry. Real affordability is a little lower once property tax, home insurance and any HOA fees are added, so treat the figure as an upper bound.
Results are estimates for general guidance only, not financial, medical or tax advice.