How much house can you afford?
This calculator works backward from your income. It finds the largest monthly housing payment that fits the 28/36 rule, subtracts estimated taxes and insurance, and solves for the home price your mortgage could cover with your down payment.
A smart-money caveat
This shows your maximum — not your ideal. Buying below the max leaves room to invest, build an emergency fund, and handle surprises. Many people deliberately spend less than they qualify for. For more, read how much house can I afford?
Next steps
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See the full monthly payment and lifetime cost of a specific home.
Open calculator →Frequently asked questions
Does this include the down payment in affordability?
Yes — a bigger down payment means a smaller loan and a higher home price you can afford for the same monthly payment.
What's the 28/36 rule?
Keep housing costs under 28% of gross income and total debt payments under 36%. It's the guideline most lenders use.
Related tools
Check your debt-to-income ratio or compare with rent vs buy.