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Home Affordability Calculator

Our Home Affordability Calculator helps you determine how much house you can afford based on your income, debts, and down payment. This calculator provides a realistic estimate of your home buying budget while maintaining financial stability.

Enter your financial details below to calculate your maximum affordable home price and see a breakdown of your potential monthly payments.

Income & Debt Information

Combined gross annual income before taxes

Car loans, student loans, credit cards, etc.

Loan Details

Property Details

Annual property tax as percentage of home value

Homeowners Association fees, if applicable

Affordability Preferences

Maximum percentage of income for housing (typically 28%)

Maximum percentage of income for all debts (typically 36-43%)

Home Affordability Analysis

About Home Affordability

Most financial experts recommend spending no more than 28% of your gross monthly income on housing expenses and no more than 36% on total debt service, including your mortgage and other loans. These guidelines, known as the 28/36 rule, are commonly used by mortgage lenders to determine how much you can afford to borrow.

Note: This calculator provides estimates based on common lending guidelines. Actual loan approval amounts may vary based on your credit score, lender requirements, and other factors. Consult with a mortgage professional for personalized advice.

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