Home Affordability Calculator

How much house can you afford? See the price lenders' 28/36 rules allow on your income, debts and down payment, and the monthly payment.

Gross yearly household income

Before tax.

Monthly debt payments

Car, student loan, credit card minimums, other loans. Not rent.

Down payment

Mortgage interest rate

Loan term

Running costs

Property tax rate

% a year

Of the home's price. Your county's rate is on its assessor's website.

Home insurance

$ a year

HOA dues

$ a month

Lender rules

Housing cost limit (front-end ratio)

Share of gross income for housing. 28% is the common rule.

Total debt limit (back-end ratio)

Share of gross income for housing plus other debts. 36% is the common rule; some loans allow up to 43% or more.

Fill in the form and press Calculate to see your result.