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//// Personal Finance · Real Estate

Home Affordability Calculator

Enter your income, debts, down payment, rate, and ongoing costs — get your max home price, monthly payment breakdown, front-end and back-end DTI gauges, and three affordability tiers from conservative to stretching.

$
car, loans, cards
$
$
% /yr
of home value
% /yr
$/mo
$0 if none
$/mo

Max Home Price

$311,355

Max mortgage: $251,355 · Down payment: $60,000

Monthly Payment Breakdown

Principal & Interest$1,639
Property Tax$311
Homeowner's Insurance$150
Total Monthly$2,100

Debt-to-Income Ratios

Front-end (housing only)28.0%
0%Limit 28%60%
Back-end (housing + debts)33.3%
0%Limit 36%60%

Affordability Tiers

Conservative

28% / 36% DTI

$311,355

Comfortable

32% / 40% DTI

$351,252

Stretching

36% / 43% DTI

$391,150

Lender Rule of Thumb

Most lenders cap total housing costs (P&I + taxes + insurance + HOA) at 28% of gross income — the front-end ratio. Your back-end ratio adds existing debts and is typically capped at 36–43%. A larger down payment, higher income, or lower debts all push your max price higher.

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