Home Affordability Calculator
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.
Affordable monthly payment (28/36 DTI rule)
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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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About the author
Written and maintained by the Tool4SaaS team. Every tool runs locally in your browser and is tested in-house for accuracy. Last updated: .
Frequently asked questions
Housing costs under 28% of gross monthly income and total debts under 36%; estimate only.
No, for informational purposes only. Consult a qualified professional before making finance decisions.
Yes, it is free, works offline in your browser, and your data never leaves your device.
How to use Home Affordability Calculator
- Enter income: Enter annual income, debts and down payment.
- Set rate: Enter mortgage rate and term.
- View: See affordable payment and price.