House Affordability Calculator

Find out how much house you can afford based on your income and debt-to-income ratio.

Income & Debts

Annual Income

Gross (before tax) household income

Monthly Debts

Car payments, student loans, credit cards, etc.

Down Payment

Amount you can pay upfront

Loan Details

Interest Rate

Loan Term

years

Property Tax Rate

% / year

Insurance Rate

% / year

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You Can Afford

Based on 28/36 DTI rule

Maximum Home Price

Loan Amount

Est. Monthly Payment

Principal & Interest

Property Tax

Insurance

Debt-to-Income Ratios

Lenders typically want <28% / <36%

Housing DTI (Front-End)27.8%

Total DTI (Back-End)34.8%

Monthly Income