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House Affordability Calculator

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🇺🇸 US-specific: uses the 28/36 rule, a US mortgage-underwriting guideline (28% max of gross income on housing, 36% max on total debt).

Max home price you can afford $0.00
Max monthly housing payment $0.00
Limited by —
Max loan amount $0.00
Principal & interest $0.00
Property tax $0.00

This uses the widely-cited 28/36 rule as a guideline, not a guarantee — actual lender approval depends on your credit score, assets, and their specific underwriting standards.

Free house affordability calculator using the 28/36 rule — enter your income, debts, and down payment to see the max home price you can afford, broken into loan, tax, insurance, and HOA.

This tool is for informational purposes only and is not a substitute for professional financial or medical advice. Consult a qualified professional before making decisions. See our Disclaimer.

How it works

  1. Enter gross annual income, other monthly debts, and down payment
  2. Add rate, term, property tax, insurance, and HOA
  3. See your max affordable home price, and whether the 28% or 36% rule is the limiting factor

Frequently asked questions

What is the 28/36 rule?

It's a widely-used mortgage guideline: your housing payment shouldn't exceed 28% of gross monthly income (front-end ratio), and your total debt payments — including housing — shouldn't exceed 36% (back-end ratio). This calculator applies whichever limit is stricter.

Is this a loan pre-approval?

No — it's an estimate based on a common industry guideline. Actual lender approval also depends on your credit score, assets, employment history, and the lender's own standards, which can be more or less strict than 28/36.

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From the blog

"How much house can I afford?" has a real formula — the 28/36 rule, worked out to the dollar
finance-calc

"How much house can I afford?" has a real formula — the 28/36 rule, worked out to the dollar

On a $100,000 income with $500 in monthly debts, the answer is a $340,064 home — not a guess, an algebraic solve including tax and insurance.

2026-09-01

Update history

  • 2026-09-01 Added: a cover image (a house with a measuring tape wrapped around it, forming a budget-fitting visual) — used as the card thumbnail, social share image, and blog title image.
  • 2026-09-01 Launched: house affordability calculator using the 28/36 rule, solving algebraically for max home price including tax/insurance/HOA in the same budget. Entirely client-side.