Calculators

How much home can I afford?

A realistic ceiling using the same 28/36 debt-to-income guideline lenders start from.

Household income (annual, before taxes)

Monthly debt payments (cars, loans, cards)

Down payment saved

Interest rate

County (property tax)

You can likely shop up to

$290,641

Limited by the 28% housing guideline ($2,100/mo housing budget).

Estimated monthly payment

$2,100/mo

Principal & interest: $1,647
Property tax (est.): $177
Insurance (est.): $145
PMI (est.): $130

See homes under $290,000

Estimates, not quotes

These tools are for planning, not lending decisions. Rates, taxes, insurance, and program rules vary and change — verify the numbers with your lender, insurer, and county before acting.