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House Affordability Calculator

Estimate a home budget from income, debts, or a monthly housing number using common DTI guidelines and PMI rules.

Estimate affordability

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You may afford up to

$322,942

Loan $258,354

Estimated monthly housing

  • Principal & interest$1,650.00
  • Property tax$300.00
  • Home insurance$150.00
  • HOA / co-op$0.00
  • Total$2,100.00

If a home feels out of reach

  • Reduce other monthly debt
  • Improve credit for a better rate
  • Increase down payment (20%+ may avoid PMI)
  • Build savings or raise income over time

Estimates based on common U.S. DTI guidelines (28/36, FHA 31/43, VA 41%). Lenders set their own rules. Not a pre-approval or financial advice.

Affordable price

$322,942

$2,100/mo housing

How it works

Estimate a comfortable purchase price from income and debts, or from a fixed housing budget.

Guidelines use front-end and back-end debt-to-income ratios (such as 28/36) plus loan type and down payment assumptions.

Frequently asked questions

Is this a pre-approval?
No. Lenders underwrite with credit, assets, and their own caps. Treat the result as a planning range.

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