Is this house affordability calculator free?

Yes, completely free with no signup required. All calculations run in your browser.

Does my data leave my device?

No. Your income and financial details never leave your device.

Does it work on mobile?

Yes. The tool is mobile-first and works on iPhone Safari and Android Chrome.

What is the 28/36 rule?

Lenders typically require housing costs not to exceed 28% of gross monthly income, and total debt payments not to exceed 36%. This calculator uses the more restrictive of the two limits.

Does the max price include taxes and insurance?

No — the monthly payment shown is principal and interest only. Add $300–600/month for property tax and homeowner's insurance, which reduces your effective buying power.

House Affordability Calculator

Find the maximum home price you can afford based on income, debts, and down payment.

100% client-side · no upload

Annual Gross Income ($) Monthly Debt Payments ($) Down Payment ($) Interest Rate (%) Loan Term (years)

How to use

Enter your annual gross income and total monthly debt payments (car loans, student loans, credit cards).
Enter your available down payment and the expected mortgage interest rate.
The calculator applies the 28/36 debt-to-income rule to find your maximum home price.

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Frequently Asked Questions

Is this house affordability calculator free?: Yes, completely free with no signup required. All calculations run in your browser.
Does my data leave my device?: No. Your income and financial details never leave your device.
Does it work on mobile?: Yes. The tool is mobile-first and works on iPhone Safari and Android Chrome.
What is the 28/36 rule?: Lenders typically require housing costs not to exceed 28% of gross monthly income, and total debt payments not to exceed 36%. This calculator uses the more restrictive of the two limits.
Does the max price include taxes and insurance?: No — the monthly payment shown is principal and interest only. Add $300–600/month for property tax and homeowner's insurance, which reduces your effective buying power.

Last updated: 2026-05-20 By jarvisbox