Home Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment. Free home affordability calculator with personalized results.
Last updated February 27, 2026
Estimated Monthly Payment
$1,770
Principal & Interest Only
How the Affordability Calculator Works
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Key Factors in Home Affordability
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Tips for Maximizing Your Budget
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Ready to get started?
Take the 60-second quiz and see what you qualify for. No credit pull. No pressure.
Find Your Rate →Frequently Asked Questions
How much house can I afford?
How much you can afford depends on your income, monthly debts, down payment, credit score, and the interest rate you qualify for. Most lenders use a debt-to-income ratio of 43% or less.
What is the 28/36 rule?
The 28/36 rule suggests your housing costs should not exceed 28% of your gross monthly income, and your total debt payments should not exceed 36%.
Does the calculator account for all costs of homeownership?
The calculator estimates your maximum purchase price based on your financial profile. Remember to also budget for maintenance, utilities, HOA fees, and other homeownership costs.
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