House Affordability Calculator

Before shopping for a home, use this calculator to estimate a realistic price range. It considers income, debts, down payment, and estimated monthly costs so you can understand what may fit your budget.

House Affordability Calculator

Find out how much home you can realistically afford

Income

Annual Gross Income

Co-Borrower Annual Income (optional)

Monthly Debts

Car Payment(s)

Student Loans

Other Debts

Loan Details

Interest Rate

Loan Term

Down Payment

Additional Monthly Costs

Property Tax (annual)

Homeowner's Insurance (annual)

HOA / Other Monthly

DTI Guideline

Front-End DTI Limit

Back-End DTI Limit

🏠

Verdict

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Maximum Affordable Home Price

—

Max Loan

—

Down Payment Needed

—

Monthly P&I

—

Total Monthly

—

Front-End DTI

—

Back-End DTI

—

Monthly Income

—

Remaining Budget

—

Debt-to-Income Ratio (Back-End) —

Excellent ≤36%

Caution 37–43%

High >43%

Excellent (≤36%)

Caution (37–43%)

High Risk (>43%)

📋 Monthly Budget Breakdown

Principal & Interest

—

Property Tax

—

Homeowner's Insurance

—

HOA / Other

—

Existing Debts

—

Total Monthly Obligations

—

Remaining Take-Home

—

Price Scenarios

🛡 Conservative

—

28% front-end DTI

⚖️ Moderate

—

36% back-end DTI

🚀 Aggressive

—

43% back-end DTI

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