Free mortgage affordability calculator to estimate maximum affordable home price. Instant results in your browser — no signup.
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Work backward from a target to the plan you need.
Start from the goal, then fill the constraints.
Results update when you click Calculate Affordability.
Required action to hit the target.
Comfortable home price
$326,322
Range $278,858 – $373,785
Uses common DTI guidelines (≈25–32% front / 30–40% back). Rate, term, tax, and insurance live under Adjust assumptions. Not a lender pre-approval.
Conservative
$278,858
Comfortable
$326,322
Maximum
$373,785
Debt-to-income
34.0%
Max housing / mo
$2,100
Loan amount
$266,322
326321.5
Affordability range
Screening only — not a medical diagnosis.
Monthly payment breakdown (comfortable)
| Item | Amount |
|---|---|
| Principal & interest | $1,683.33 |
| Property taxes | $300.00 |
| Home insurance | $116.67 |
| Total housing | $2,100.00 |
Free mortgage affordability calculator to estimate maximum affordable home price. Instant results in your browser — no signup. Conservative / Comfortable / Maximum housing budgets from income & debts. Subtract tax/12 and insurance/12, then solve for principal at the assumed rate and term. Home price = principal + down payment.
Conservative / Comfortable / Maximum housing budgets from income & debts. Subtract tax/12 and insurance/12, then solve for principal at the assumed rate and term. Home price = principal + down payment.
$7,500 gross/mo, $450 debts, $60k down → Conservative / Comfortable / Maximum price bands.
Start with Comfortable. Conservative leaves more buffer; Maximum is a stretch many lenders still scrutinize.