Affordability, measured
How much house can I afford?
Enter your income and we estimate the price range you could qualify for, using the same guidelines lenders lean on. It’s a starting estimate, not a pre-approval. Your actual number depends on credit, the specific home, and your full financial picture.
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Before taxes, the figure lenders qualify you on.
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Mortgage News Daily 30-year fixed, September 4, 2026
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Car, student, and credit-card minimums, used for the 36% test.
Estimated home price you could qualify for
$399,384
Bound by the 28% housing guideline · $2,100/mo principal & interest · $79,877 down
28% housing guideline$399,384
36% total-debt guideline$513,493
Lenders cap housing near 28% of gross monthly income and all debts near 36%. The lower of the two sets your ceiling.
Est. taxes & insurance~$533–$865/mo
Shown on top of the qualifying payment, not inside it. They vary a lot by school district.
All-in monthly estimate$2,633–$2,965/mo
Ready for a real number? Get pre-qualified with a local lender.
Want your real number?
This estimate uses standard guidelines; a lender pre-approval accounts for your credit, assets, and the exact loan program, the figure that actually wins offers.
Important disclosures
- This calculator is for general information only and is not financial, tax, or lending advice.
- It is not a loan approval, a commitment to lend, or a rate quote.
- Your actual rate and APR depend on your credit, loan-to-value, debt-to-income, loan program, and the lender, and change daily.
- Property taxes, homeowner's insurance, HOA dues, PMI, and mortgage insurance are estimated or excluded unless shown, and vary by home and location.
- FHA loans carry mortgage insurance premiums; VA loans have eligibility requirements and a funding fee. Neither is included in the principal-and-interest figure.
- Talk to a licensed lender for numbers specific to your situation.