Estimate How Much Home You May Be Able to Afford
Use this simple affordability calculator to estimate a possible home price range based on your gross income, monthly debt, available down payment, and estimated housing costs. This is only an estimate and does not replace guidance from a lender.
Your buying power is usually affected by three major numbers: your gross income, your monthly debt, and how much you have available for a down payment. Enter each amount below to get a starting estimate.
Gross Income
$100,000
Monthly Debt
$750
Down Payment Available
$40,000
Financial Profile
Enter your income and current debts
Enter total household income before taxes.
Include car loans, student loans, credit cards, personal loans, and other monthly debt payments.
Enter the amount available to put toward the purchase price.
Loan Details & Estimated Costs
Adjust rates and estimated local costs
Estimated Affordability
Based on standard lending guidelines
Estimated Affordable Home Price
$267,414
This calculator is for general estimate purposes only. Actual affordability may vary based on loan program, interest rate, credit profile, taxes, insurance, HOA fees, PMI, lender requirements, and other financial factors. This is not a loan approval or financing offer.
Want help understanding what price range fits your goals?
A trusted lender can help you review payment options, loan programs, and what monthly payment may be comfortable for you.
Connect With a Trusted Lender