Home Affordability Calculator
Find out how much house you can afford based on your income and debts.
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Lenders use the "28/36 rule" to decide how much you can borrow: your housing costs shouldn't exceed 28% of gross income (front-end ratio), and total debts shouldn't exceed 36% (back-end ratio). This calculator applies both constraints to find the maximum home price you can realistically afford.
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What is the 28/36 rule?
The 28/36 rule is a guideline lenders use: spend no more than 28% of gross monthly income on housing (principal, interest, tax, insurance) and no more than 36% on all debt combined. This calculator applies both limits and uses the stricter one.
How does my down payment affect affordability?
A larger down payment reduces the loan amount you need, which lowers your monthly payment. This means a higher home price fits within the same budget. Going from 10% to 20% down can increase your max home price by 10–15%.
Does this account for PMI?
This calculator does not add PMI (Private Mortgage Insurance). If your down payment is under 20%, lenders typically require PMI which adds 0.3–1.5% of the loan annually to your payment — effectively lowering the home price you can afford.
Why is my result limited by the back-end ratio?
If you have significant existing debts (car loans, student loans, credit cards), those eat into the 36% total debt allowance. Paying down existing debt before buying a home directly increases how much house you can afford.
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For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.