Use this free house affordability calculator to estimate a home price from income, monthly debts, down payment, mortgage rate, debt-to-income target, tax, insurance, and HOA.
$110,000 income at 36% DTI target
This is not mortgage approval and does not include credit, reserves, closing costs, or underwriting rules.
Estimate a rough home-buying budget before shopping.
See how debts, down payment, and mortgage rate affect affordability.
Compare debt-to-income targets in a transparent way.
Separate principal and interest from estimated tax, insurance, and HOA.
Estimated affordable home price
Home price estimate
Higher affordability estimate
Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it for early planning and side-by-side comparisons, especially for tasks like these: Estimate a rough home-buying budget before shopping. See how debts, down payment, and mortgage rate affect affordability. Treat the answer as a planning estimate, not a final quote.
In plain language: The calculator applies a debt-to-income target to monthly income, subtracts monthly debts, then searches for the highest home price whose estimated housing payment fits. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.
This is not mortgage approval. Credit, reserves, closing costs, exact taxes, insurance, HOA, lender rules, and local housing costs can change affordability. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.