House Affordability Calculator

Find the home price you can afford with the 28/36 rule and your income.

Annual gross income ($):

Monthly debts ($):

Down payment ($):

Mortgage rate (%):

Principal & interest only — add tax, insurance, HOA. Estimates only, not financial advice.

How to use

Enter income, debts, down payment and rate, then click Calculate. Everything runs in your browser — nothing is uploaded or stored.

What is the 28/36 rule?

Housing ≤ 28% of gross monthly income; all debts ≤ 36%.

Does it include taxes and insurance?

This covers principal & interest; budget extra for tax, insurance and HOA.

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