Find how much house you can afford from income, debts, down payment and rate with the 28/36 DTI rule. Private estimate, offline in your browser.
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Quick answer: Home Affordability Calculator — How much house? Free, no signup, runs in your browser. See below for the interactive tool, 4-step guide and FAQs.
Max housing (28% of income)
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Max total debt (36% minus debts)
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Estimated home price (EMI inverse)
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The 28/36 rule caps housing near 28% of gross monthly income and all debts near 36%. Example: $100,000 income allows about $2,333 housing and $3,000 total debts, so with $500 other debts, $40,000 down at 6% for 30 years supports roughly a $430,000 price.
No. This home-affordability estimate is for informational budgeting only, never mortgage advice. Taxes, insurance, PMI, HOA dues, rate changes, and lender overlays are excluded from the $430,000 illustration. Consult your lender about pre-approval rules and see /terms before house hunting.
Yes. Home-budget math stays in-tab only. Afford income sums run locally with no transfer and no login. For instance, $100,000 stays local, runs net-off, and clears on shut instantly. It is budgeting help only, not mortgage advice for house hunting. See /terms.
Because back-end 36% caps total obligations near $3,000 on $100,000, so $500 auto and cards leaves $2,500 for PITI versus $2,333 housing cap alone. At 6% for 30 years, $500 less payment supports roughly $60,000 less price. Clear auto loans before pre-approval. See /terms.
Combining $100,000 and $65,000 lifts 28% housing to $3,850 and price toward $680,000, yet solo $100,000 preserves borrowing headroom if one pauses work. Dual qualification doubles rate-shock exposure and childcare drag. Model joint versus solo here, stress one-income resilience. Partnership planning only, not mortgage counsel. See /terms.
Affordability translates income, recurring debts, down payment, and borrowing cost into a sustainable purchase ceiling under debt-to-income guardrails. A $100,000 income with $500 monthly obligations and $40,000 down at 6% for 30 years supports roughly $430,000 price near $2,333 monthly housing, while $90,000 supports near $385,000. Ceiling comparison table motivates deleveraging: | Income | Debts | Down | Price | $100k | $500 | $40k | $430,000 | $100k | $0 | $40k | $490,000 | $90k | $500 | $40k | $385,000 |. Extra debts directly cannibalize bricks. Our home affordability calculator enforces 28/36 caps instantly while preserving privacy offline. Edge case: variable bonuses averaged over two years may be discounted 25% by underwriters. Limitation: ignores credit-score pricing tiers, reserve demands, and neighborhood levy dispersion. Validate installments via /mortgage-calculator. Budget estimation only, not mortgage advice. See /terms.
The 28/36 doctrine limits housing near 28% of gross monthly pay and all recurring debts near 36%. For example, $100,000 yearly equals $8,333 monthly, yielding $2,333 housing allowance and $3,000 total-debt ceiling. With $500 auto and cards, $2,500 remains for PITI; at 6% for 30 years with $40,000 down, that sustains about $430,000. Front-back arithmetic table demystifies: | Gross monthly | 28% housing | 36% all debts | $8,333 | $2,333 | $3,000 | $7,500 | $2,100 | $2,700 | $10,000 | $2,800 | $3,600 |. Higher earnings scale linearly. Edge case: student loans in income-driven forbearance still count at 0.5% imputed payment. Limitation: lender overlays, HOA quirks, and mortgage-insurance brackets compress theoretical maxima. Probe renting alternative via /rent-vs-buy-calculator. Rule-of-thumb modelling only, never underwriting counsel. See /terms.
Enter $100,000 income, $500 debts, $40,000 down, 6% for 30 years to see $2,333 affordable payment and $430,000 price, then drop to $90,000 to watch ceiling slide near $385,000 and payment near $2,100. Stress matrix sharpens house-hunting: | Scenario | Payment | Price | $100k $500 debts | $2,333 | $430,000 | $100k zero debts | $2,500 | $490,000 | $90k $500 debts | $2,100 | $385,000 |. Zeroing debts unlocks $60,000 bricks. Edge case: 7.5% rates versus 6% shave roughly $55,000 capacity at identical income. Limitation: excludes property-tax spikes, insurance repricing, HOA special levies, and appraisal gaps. Inspect refinance escape via /refinance-calculator. Informational budgeting assistance only, not professional mortgage guidance before seeking pre-approval diligently while comparing lender overlays and reserve demands. See /terms.