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Home Affordability Calculator
How much home can you afford? Enter annual income, monthly debt payments, down payment, interest rate, and term — the 28/36 rule (housing costs ≤ 28% of gross income, total debt ≤ 36%) then solves for the maximum home price via
Important: this is an educational estimate, not professional financial advice and not a mortgage pre-approval. The 28/36 rule is a general guideline — each lender uses its own criteria. Tax, insurance, and PMI figures
Scope limits: this calculator is for homes / mortgages, not vehicles. To compute an affordable car from income, use car affordability calculator. To check your debt ratios from existing costs, use DTI calculator.
Your data
Advanced assumptions (tax, insurance, HOA, PMI)
Results
Fill in the data on the left then press Calculate Affordability.
Related calculators
- DTI calculator (debt-to-income ratio) — check front-end/back-end debt ratios from existing costs.
- Mortgage payment calculator + tax & insurance — compute the monthly payment from a given home price (the reverse direction).
- Mortgage calculator with extra principal payments — simulate paying off faster.
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