Home Affordability Calculator
Estimate a Conservative / Comfortable / Maximum home price from income, debts, and down payment.
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Inputs
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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
ConservativeComfortableStretch
Balanced meals
30 min activity
Stay hydrated
7–8 hrs sleep
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 |
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How this calculator works
Estimate a Conservative / Comfortable / Maximum home price from income, debts, and down payment.
How is it calculated?
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.
Example
$7,500 gross/mo, $450 debts, $60k down → Conservative / Comfortable / Maximum price bands.
Frequently asked questions
Which number should I use?+
Start with Comfortable. Conservative leaves more buffer; Maximum is a stretch many lenders still scrutinize.