House calculator · honest math · no signup
Can You Afford That Home?
Plug in the home price, down payment, APR, taxes, insurance, HOA, and PMI. We’ll show you the all-in monthly payment, the housing ratio, total DTI, and what income would keep the math comfortable.
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Featured price points
Eleven hand-picked price levels with full reality checks. Type any other price into the calculator above for a custom snapshot — no extra page needed.
- Reality check$200,000Workable in many U.S. markets if income clears ~$60k/yr and your existing debt is small.Open the full page
- Reality check$250,000Workable on $70k–$90k gross if other debt stays small and the property-tax rate isn't punitive.Open the full page
- Reality check$300,000Workable on $80k–$100k gross with modest other debt and a 10%+ down payment.Open the full page
- Reality check$350,000Workable on ~$100k–$120k household income with discipline on other debt.Open the full page
- Reality check$400,000Workable on $110k–$135k household income — assuming average-tax state and modest other debt.Open the full page
- Reality check$450,000Workable on $125k–$150k household income with modest other debt.Open the full page
- Reality check$500,000Workable on $140k–$170k household income with under $700/mo other debt.Open the full page
- Reality check$600,000Workable on $170k–$210k household income with disciplined other debt.Open the full page
- Reality check$750,000Workable on $220k–$260k household income with reasonable other debt.Open the full page
- Reality check$1,000,000Workable on $300k–$360k household income with reasonable other debt.Open the full page
- Reality check$1,500,000Workable on $440k–$540k household income with reasonable other debt and a real cash reserves cushion.Open the full page
Common questions about house affordability
Short, honest answers — not mortgage pre-approval.
How does this house affordability calculator work?
Enter the home price, down payment, interest rate, term, taxes, insurance, HOA, and PMI. We compute monthly P&I plus the additional monthly costs and weigh the all-in payment against your gross monthly income and other debt. The verdict label is a quick read on whether the math is comfortable, manageable, or stretching.What income do I need to afford a house?
Aim for total monthly housing cost (P&I + tax + insurance + HOA + PMI) under 28% of gross monthly income. Total debt-to-income (housing + other debt) under 36% is a common lender target. The calculator shows both ratios as you tweak the inputs.Does the monthly payment include taxes, insurance, HOA, and PMI?
Yes. We add monthly property tax (annual / 12), homeowner's insurance, HOA dues, and PMI to the principal + interest so the 'monthly housing cost' line reflects the real all-in amount.Is this mortgage pre-approval?
No. This is educational ballpark math. Real lender approval depends on credit score, employment history, asset reserves, automated underwriting models, and dozens of lender-specific overlays no website models.Why does my actual quote differ from this estimate?
Real quotes depend on your specific credit, debt history, ZIP code, exact property tax, lender pricing on the day, loan program (conventional vs FHA vs VA vs jumbo), point structure, and required reserves. This calculator is for planning; your lender's loan estimate is the source of truth.
This is not financial advice
CanYouAffordIt is for entertainment and ballpark planning only. Real insurance quotes, sales tax rules, dealer fees, loan approvals, and maintenance costs vary by location, vehicle, and credit profile. Before signing a contract, talk to a human you trust — and read the fine print.