Home Affordability Calculator
Calculate how much house you can afford based on your income, debts, and down payment. Find your ideal home price range with our mortgage affordability calculator and debt-to-income ratio analysis.
Your Financial Profile
$85,000 per year
$500/month (car loans, student loans, credit cards)
$60,000
740 - Good (+0.25% rate impact)
Loan Assumptions
Adjusted rate with your credit: 6.75%
You Can Afford
Estimated home price
Monthly Payment
$1983
Loan Amount
$251,028
Debt-to-Income Analysis
✓ Within recommended 36% limit
DTI Ratio Guide
• Below 28%: Conservative, excellent approval odds
• 28-36%: Comfortable, good approval odds
• Above 36%: Aggressive, may need stronger credit
Affordability Scenarios
Conservative (28% DTI)
$1686/mo
$264,374
Comfort: 95%
Comfortable
$1983/mo
$311,028
Comfort: 75%
Aggressive (36% DTI)
$2281/mo
$357,682
Comfort: 50%
Affordability Factors
This radar chart shows the key factors affecting your home affordability. Larger area means better positioning.
Get expert guidance tailored to your financial goals