How Much Home Can I Afford Calculator
Estimate a realistic home price range using your income, monthly debts, down payment, interest rate, and typical housing cost assumptions.
Enter Your Home Buying Details
Start with your income and current debts. We’ll include estimated taxes, insurance, and PMI automatically.
Used your monthly pre-tax income for DTI (debt-to-income) guidelines.
Include car loans, student loans, and minimum credit card payments.
PMI is automatically included if your down payment is under 20%.
This estimate uses a fixed rate. Your actual rate depends on credit and lender terms.
Shorter terms often raise monthly payments but may reduce total interest.
Optional. Common for condos and some neighborhoods.
Estimated property taxes
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Estimated homeowners insurance
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Estimated PMI (if <20% down)
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These are typical estimates used for planning. Property taxes and insurance vary by location and provider. Check local amounts before making a buying decision.
Estimates are informational and assume stable inputs. Real lender approvals may vary.
Your Affordable Home Price Range
Click a tier below to see the monthly payment breakdown and chart.
Monthly payment breakdown
Debt-to-income ratio (selected tier)
Front-end DTI (housing only)
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Back-end DTI (housing + debts)
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DTI is a planning metric. Lenders may calculate DTI differently depending on loan type and underwriting.
Selected tier breakdown:
Principal & interest
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Property taxes
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Homeowners insurance
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HOA dues
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PMI
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Estimated home price (selected tier)
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