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Mortgage Affordability Calculator
How much house can you afford? Estimate your price range from income, debts and down payment using the 28/36 rule.
Lenders size a mortgage with the 28/36 rule: housing should stay under about 28% of gross monthly income, and all debt under about 36%. This estimates the home price those limits support from your income, existing debts and down payment. It is a planning estimate — not a pre-approval — and excludes PMI and HOA dues. For the payment on a specific loan, use the loan & mortgage calculator.
$319,576
Home price you can afford
$2,100
Max monthly payment
$279,576
Mortgage amount
$1,767
Principal & interest
$333
Taxes & insurance
Home price: down payment vs. mortgage
Monthly payment breakdown
Estimates only, for general information — not financial advice. Calculations run in your browser; nothing is stored.
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