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Home & MortgageAffordability
Home Affordability Calculator — How Much House Can You Afford?
Calculate the maximum home price you can afford based on your income, debts, down payment, and current mortgage rates.
Home Affordability Details
$100,000
$
$500
$
$60,000
$
6.37%
%
30
Results
LiveMaximum Home Price
$434,206
Max Monthly Payment (28% rule)$2,333
Max Payment (36% DTI rule)$2,500
Conservative Home Budget$300,000
Maximum Home Price$434,206
Max Monthly Payment (28% rule)$2,333
Max Payment (36% DTI rule)$2,500
How to use
Change one assumption at a time to see what moves the answer most.
Frequently Asked Questions
Everything you need to know.
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Why This Matters
Buying more home than you can afford is the most common financial mistake in America. The bank will often approve a loan larger than is financially comfortable — their DTI limit is not a budget recommendation.
How to Use It
- 1Enter your annual income and monthly debt payments
- 2Set your down payment amount
- 3Enter current interest rate and target DTI
- 4See your maximum affordable home price and monthly payment breakdown
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