Affordability Calculator

Estimate how much house you can afford based on your income, debts, and down payment

Income & Debts

Annual Income (gross)

Monthly Debts

$/mo

Target Debt-to-Income Ratio36% · Standard

28%36%43%

Down Payment & Loan

Down Payment

Mortgage Rate

Loan Term

Ownership Costs

Property Tax

%/yr

Home Insurance

$/yr

HOA

$/mo

You can likely afford

$430,470

$370,470 loan + $60,000 down

36% DTI

Based on a $3,200/mo housing budget — 36% of gross income minus $400/mo in other debts.

Monthly Payment Breakdown

Principal & Interest$2,403

Property Tax$430

Insurance$167

HOA$200

Total Monthly (PITI)$3,200

Front-end DTI (housing only)32.0%

Back-end DTI (housing + debts)36.0%

Affordability vs. Interest Rate

How much your max home price shifts as rates move

Ready to compare renting vs. buying at this price?