Home & Property
Home Affordability Calculator
Tell us what you can comfortably spend on housing each month and we'll work backwards to the home price that fits — after property tax and insurance.
Your numbers
$
Aim for ≤28% of gross monthly income.
$
6.5%
%
$
Statement
Home price you can afford
$380,559
with a $60,000 down payment
- Loan amount
- $320,559
- Principal & interest
- $2,026.15
- Property tax
- $348.85
- Home insurance
- $125.00
- Total monthly housing
- $2,500.00
A $2,500 monthly budget supports roughly a $380,559 home at today's inputs.
Estimates only — not financial advice. They produce estimates based on the figures you enter and do not account for every fee, tax or change in rate.
- The result is a deterministic estimate from the inputs shown on this page.
- Fees, taxes and real-world terms not represented by an input are excluded.
- Confirm material decisions against original documents or a qualified professional.
The email includes this route only; calculator inputs are not attached.
The 28/36 rule
Lenders often look for housing costs under 28% of your gross monthly income and total debt under 36%. These are guidelines, not guarantees — your comfort matters more than the maximum a lender will approve.
Frequently asked questions
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