House Affordability Calculator

Estimate a home-price range from income, debts, cash, rates, and recurring housing costs.

Your inputs

Your result

Enter your information and select Calculate to see the result.

How this calculator works

The entered budget percentage limits gross monthly income available for housing. Debts, insurance, HOA fees, and estimated property tax are deducted before a standard fixed-rate mortgage calculation.

Change one assumption at a time to see which inputs have the greatest effect on the estimate.

Worked example

A household can compare the result with a stricter budget percentage to build in more room for savings and repairs.

Limitations

This is a personal budgeting estimate, not a lender qualification or approval. CFPB advises distinguishing what a lender may offer from what fits comfortably. Editorial review is required before publication.

Review this educational estimate against current quotes, official information, and your own budget before making a financial decision.