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House Affordability Calculator — How Much Can I Afford?

Find out the maximum home price you can afford based on your income, debts, and down payment. Free, instant, and accurate.

✓ Formula verified: January 2026For informational purposes only

House Affordability

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Maximum Home Price You Can Afford
$286,129

Maximum Loan Amount

$226,129

Max Total Monthly Housing Payment (PITI)

$1,833.33/mo

Est. Principal & Interest (P&I)

$1,466.67/mo

Tax & Insurance Buffer (~20% of PITI)

$366.67/mo

Down Payment as % of Home Price

▲ 21.0% — No PMI!

Front-End DTI (Housing Only)

▲ 22.0%

Back-End DTI (All Debts)

▲ 28.0%

What if your annual gross income changes? $90000 → $257,349 · $100000 → $286,129 · $110000 → $314,909

Scenario Comparison

Conservative (5%)
$16,470.09
$6,470.09 interest
Your scenario (7%)
$20,096.61
$10,096.61 interest
Aggressive (10%)
$27,070.41
$17,070.41 interest
High-risk (14%)
$40,224.71
$30,224.71 interest
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Rent vs. BuyRent AffordabilityHome AffordabilityDebt-to-Income (DTI) Ratio Calculat
Affordability Analysis

DTI Risk Zone

28.0%Back-End DTI0%25%50%
Moderate
≤28% Safe
28–36% Moderate
36–43% Stretching
>43% Danger

Max Home Price by DTI Scenario

Conservative (28% DTI)$583K
Moderate (36% DTI)$773K
Aggressive (43% DTI)$939K

Monthly Budget Breakdown

Monthly Income

$8,333.33

Existing Debts

$500.00

For Housing

$1,833.33

Pro Tip: The 28% Rule

Conventional lenders prefer your housing payment not exceed 28% of gross income. At your income, that's $2,333.33/mo — a useful upper boundary regardless of DTI limit selected.

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