💰
House Affordability Calculator - How Much Can I Afford
Free house affordability calculator. Find out how much house you can afford based on income, debts, and down payment.
House Affordability Calculator
How much home can you afford?
Your Budget
Enter your values to see results
and click the "Calculate" button
House Affordability Calculator
Find out how much house you can afford based on the 28/36 rule: housing ≤28% of income, total debt ≤36%.
Affordability Rules
Max Payment = Income × 28% / 12, then solve for loan amount
Uses 28% front-end ratio. Actual affordability depends on debts, credit score, and lender policies.
Frequently Asked Questions
What is the 28/36 rule?
Housing costs should be ≤28% of gross income. Total debt payments (including housing) should be ≤36%.
What's not included in these estimates?
Property taxes (1-2%), insurance (0.5-1%), PMI if <20% down, HOA fees. Add these to the monthly payment.
Related Calculators
Explore more calculators
100+ calculators for finance, health, math, and everyday life
All Calculators