Home Affordability Calculator
Calculate how much house you can afford based on income, debts, and down payment. Get personalized home buying budget estimates.
How to Calculate Home Affordability
- 1 Enter your annual household income before taxes
- 2 Add your monthly debts (car payments, loans, credit cards)
- 3 Specify your available down payment amount
- 4 Enter loan details like interest rate and term
- 5 Add location costs: property tax rate, insurance, and HOA fees
- 6 Select a debt-to-income ratio and click Calculate
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Last updated: January 15, 2026 · v2.1