Home Affordability Calculator

How much house you can afford using the 28/36 rule on income and debts.

Annual gross income ($):

Monthly debt payments ($):

Down payment ($):

Mortgage rate (%):

Term (years):

How to use

Enter annual income, monthly debts, down payment, rate, and term, then click Calculate.

What is the 28/36 rule?

Spend at most 28% of gross income on housing and 36% on all debts. Lenders use similar ratios.

Should I use gross or net income?

Lenders use gross (pre-tax) income — this calculator does too.

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