Financial

House Affordability Calculator

Estimate how much home you can afford based on your income, debts, and down payment using standard lending guidelines.

Using the House Affordability Calculator

Instead of starting with the home price, this tool starts with what you can actually afford to pay each month. We work backward from your income and existing debt to find your ideal purchase price while staying within safe lender guidelines (DTI).

How it Works

Enter your total "Gross Annual Income".

Input your current monthly debt payments (loans, credit cards).

Add your available down payment amount.

Review the "Maximum Purchase Price" and the estimated monthly housing costs.

Annual Gross Income ($)

Monthly Debt Payments ($)

Down Payment ($)

Mortgage Interest Rate (%)

Loan Term (years)

Annual Property Tax Rate (%)