House Affordability Calculator

Determine your affordable home price based on your income, down payment, existing debts, and current interest rates. The calculator follows the 28% and 36% DTI guidelines used by most lenders.

← Back to Tools

House Affordability Calculator — How Much House Can You Afford?

Find out how much home you can afford based on income, debts, interest rates, and more. Free house affordability calculator.

Annual Income ($)Down Payment ($)Monthly Debts ($)Annual Interest Rate (%)Loan Term (years)Property Tax Rate (%)Annual Insurance ($)

Affordable Home Price$429,159

Max Loan Amount$369,159

Est. Monthly Payment (PITI)$2,862P&I: $2,333 + Tax: $429 + Ins: $100

Debt-to-Income Ratio40.3%Target: ≤36% | Max: ≤43%

Affordable Home Price Breakdown

Monthly Payment Components

Related Calculators

Mortgage Calculator

Estimate monthly payments and amortization.

DTI Calculator

Calculate your debt-to-income ratio.

Down Payment Calculator

Plan your down payment strategy.