How Much House Can I Afford?

Estimate the home price you may be able to afford based on income, debt, and mortgage costs.

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Estimated Affordable Home Price
$401,755.39
Max Monthly Housing Payment
$2,715.00
Estimated DTI Ratio
35.65%

How this calculator works

This affordability estimate stays within a common DTI threshold used by many mortgage programs, although lender rules vary.

Why use this Mortgage Affordability Calculator?

This tool helps U.S. borrowers model mortgage scenarios using practical inputs and plain-English explanations. Review the calculator output, compare related tools, and use the charts to understand how cost changes over time.

What to review after calculating

Look beyond the payment estimate. Check taxes, insurance, amortization, break-even timing, and debt load so you can move from estimate to action with clearer expectations.

Calculator results are estimates for planning and education. They are not a loan approval or financial advice.

Frequently Asked Questions

Many programs use 43% as a common upper benchmark, although lender rules and product guidelines vary.

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