How much house can you afford?
Adjust your numbers and instantly see the maximum home price you can afford, with your monthly payment broken down. Free, no strings attached.
This calculator is for you if you're thinking about buying a home in the United States and want to know where to start. We use the same rules lenders use (the 28/36 debt-to-income rule) along with your state's property taxes to give you a realistic number — not a sales pitch.
Before taxes. Include income from everyone buying with you.
Add up your monthly payments: car, credit cards, student loans.
What you have saved for the upfront payment. Below 20%, PMI is added.
We use your state's average property tax rate.
Affects the estimated interest rate. Not sure? Choose "I don't know".
You can afford a home up to:
$183,155
With an estimated 6.8% rate over 30 years.
Estimated monthly payment: $1,517
- Principal & interest$1,064
- Property taxes$275
- Home insurance$76
- PMI (mortgage insurance)$102
Your debt-to-income ratio (DTI)
35% · Healthy
DTI compares your monthly debts (including the house) to your income. Lenders prefer 36% or less; above 43% it's hard to qualify.
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This tool is for educational purposes only. Results are estimates based on averages and do not constitute a credit offer or financial advice. Consult a financial professional before making decisions.