How Much House Can I Afford?
Home Affordability Calculator
Estimate a realistic home budget based on your income, debt, down payment, and monthly housing costs.
Quick estimate
Start with just three numbers
Enter the basics to get an immediate estimate.
Recommended budget
Balanced
A middle-ground estimate that may feel manageable for many buyers.
Estimated home price
$277,600
Target monthly budget
$2,700
Estimated monthly cost for this home
$2,700
Refine your estimate
Add the costs that shape a more realistic monthly payment
Financing
Housing costs
Scenario comparison
Compare three affordability ranges
Monthly breakdown
Balanced scenario
A closer look at the monthly cost behind an estimated home price of $277,600.
Principal & Interest
$1,628
Property taxes
$289
Insurance
$125
PMI
$107
HOA
$0
Utilities
$250
Maintenance
$300
Estimated monthly cost for this home
$2,700
Down payment
$20,000
Down payment share
7.2%
Target housing budget
$2,700
PMI is included because the down payment is below 20% of the estimated home price.
Get your results
Want your affordability results sent to your inbox?
Enter your email and we'll save your results.
Why it works
Why this estimate feels more realistic
Explore more scenarios