Home Affordability Calculator
Work backward from income, debts, rates, and a down payment to an estimated home-price ceiling.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Set an income-based ceiling
Your projection
About $319,130 by these limits
Housing payment ceiling
$2,100
Estimated loan
$269,130
Gross monthly income
$7,500
Approval is not the same as comfort. The estimate reserves 1.5% of the price yearly for property tax and insurance; real costs and lender rules vary.
About this tool
Method, assumptions, practical next steps, and limits.
Approval is a ceiling, not a recommendation
Lender ratios use gross income and can leave less breathing room than a household wants. Your own ceiling can be lower.
Calculation method
The tool uses the lower of the housing-ratio limit and the total-debt limit after other monthly debts. It estimates tax and insurance at 1.5% of the price annually.
Build a comfort test
Add the payment to a real spending plan and test repairs, childcare, income interruptions, and savings goals before shopping.
