Mortgage tool

Home Affordability Calculator

Find out how much house you can afford based on your income and debts. This calculator uses the 28/36 rule that lenders typically follow to determine your maximum home price.

Annual Income ($)

Monthly Debts ($)Car loans, credit cards, student loans, etc.

Down Payment ($)

Interest Rate (%)

Loan Term (years)

Enter valid values to calculate home affordability using the 28/36 rule.

Learn More About Home Affordability

Understand how much home you can afford:

Beginner Guide

What Is the 28/36 Rule?

Learn how lenders use debt-to-income ratios to determine affordability

Q&A Post

First-Time Home Buyer Tips

Essential advice for buying your first home

Q&A Post

How to Afford a More Expensive Home

Strategies to increase your buying power