A house affordability calculator estimates the home price you can afford based on income, down payment, debts and interest rate — most lenders keep housing costs under 28% of gross income.
A house affordability calculator estimates the home price you can afford based on income, down payment, debts and interest rate — most lenders keep housing costs under 28% of gross income. Our house affordability calculator is built on the same core how much house can i afford home affordability calculator affordable mortgage calculator and is trusted by students, professionals and everyday users who need a fast, accurate result. Because every calculation runs locally in your browser, there is no waiting, no sign-up and no limit on how often you use it.
The 28/36 Debt-to-Income (DTI) Rule
Lenders recommend spending no more than 28% of gross monthly income on housing costs (front-end) and no more than 36% on all total debts combined (back-end).
Impact of Down Payment Size
A larger down payment lowers the required mortgage loan, eliminates PMI, and decreases monthly interest costs.
Accounting for Taxes, Insurance, and HOA Fees
Our calculator includes local property taxes and homeowners insurance to reveal your true all-in monthly housing cost.
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