Home Affordability Calculator

Estimate the maximum home price you can afford using the 28/36 rule.

Annual Income ($)

Monthly Debts ($)

Down Payment ($)

Interest Rate (%)

Loan Term (years)

Property Tax Rate (%/yr)

Home Insurance ($/yr)

HOA ($/month)

Max Affordable Home Price$307,735Limited by 28% housing-to-income rule

28% Rule Max$307,735

36% Rule Max$321,395

Principal & Interest$1,692

Property Taxes$308

Homeowners Insurance$100

Total Monthly$2,100

% of Gross Monthly Income28.0%

Based on 28/36 debt-to-income rule. Does not include PMI or other costs.