Home Affordability Calculator

Use our Home Affordability Calculator to see how much house you can afford, working back from your income or from the monthly payment you’re comfortable with.

Lenders often use the 28/36 rule: your housing payment should stay under about 28% of your gross monthly income, and all your debt payments together, the mortgage included, under about 36%. If you already pay for a car, student loans or credit cards, the 36% limit may be the one that decides your budget.

From my income shows the loan a payment of 20%, 25%, 28% or 35% of your income pays off. From a monthly budget and From income and debts go further: they include property tax, insurance, PMI and HOA dues, and turn your budget into a home price with your down payment.

To see the monthly payment for a home you already have in mind, use our Mortgage Payment Calculator. Not sure whether to buy at all? Use our Rent vs Buy Calculator to compare the costs.