How Much House Can I Afford

Powerful, free, and easy to use

How Much House Can I Afford Calculator

Calculate the maximum home price you can afford based on your income and expenses

Monthly Gross Income (USD)

Monthly Debt Payments (USD)

Down Payment (USD)

Annual Interest Rate (%)

Loan Term (Years)

Annual Property Tax (USD)

Annual Home Insurance (USD)

Annual PMI Insurance (USD)

Monthly HOA Fees (USD)

Affordability Guidelines

• Front-end ratio: Max 28% of income
• Back-end ratio: Max 36% of income
• Includes P&I, taxes, insurance, PMI, HOA
• Consider emergency fund and maintenance

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