How much house can I afford?
Income and debts → a price you can carry comfortably.
Home Affordability CalculatorAlso: Mortgage Qualifier Calculator · Mortgage Required Income Calculator
7 calculators
Affordability & Qualifying Calculators
Work backward from income and debts to a home price you can carry comfortably — not just one you qualify for.
Start with a question
What do you want to figure out?
How much cash do I need to close?
Buyer closing costs on top of the down payment.
Home Closing Cost CalculatorAlso: Down Payment Calculator · Mortgage Calculator with PMI
All 7 calculators
Home Affordability Calculator
Work backward from your income and debts to the home price and mortgage you can responsibly afford.
Maximum Mortgage Calculator
Find the largest mortgage and home price you qualify for under a lender debt-to-income limit.
Mortgage Qualifier Calculator
Check whether your income, debts and down payment qualify you for the loan you want.
Mortgage Required Income Calculator
Find the gross income a lender will want to see to approve a given mortgage payment.
Down Payment Calculator
Turn a down-payment percentage into dollars and see whether you clear the 20% PMI threshold.
Rent vs. Buy Calculator
Compare the true long-run cost of renting against buying, including equity, taxes and opportunity cost.
Mortgage Tax Savings Calculator
Estimate the income-tax savings from deducting your mortgage interest and property tax.
Which one do I need?
Some of these calculators sound alike but answer different questions. Pick by what you know and what you want to find out.
How much can I afford?
- Home Affordability CalculatorA comfortable budget — the conservative 28% housing / 36% total-debt rule.
- Mortgage Qualifier CalculatorWhat a lender would approve — 28% / 43% limits, and which one stops you.
- Maximum Mortgage CalculatorThe ceiling — the largest loan under a single debt-to-income cap.
- Mortgage Required Income CalculatorWorking backwards — the income you need for a loan you have in mind.
About these calculators
Before you shop for a home, find the number you can actually carry. These calculators work backward from your income, monthly debts and down payment to a realistic home price and loan amount — the figure a lender's debt-to-income limits will support, not just the maximum they might approve.
Pin down the income a given payment requires, the down payment you'll need, and whether renting still beats buying for now. Each tool keeps the focus on a payment you can live with through the life of the loan.
Common questions
Affordability & Qualifying calculators — frequently asked
How much house can I afford?
A common rule keeps your total housing payment under 28% of gross monthly income and all debts under 36%.
Your down payment, interest rate and existing debts all move the number — these calculators work backward from your income to a realistic price.
What is a debt-to-income ratio (DTI)?
DTI is your total monthly debt payments divided by gross monthly income. Lenders generally cap it near 43%, with the housing portion alone around 28%. A lower DTI improves both your approval odds and the rate you are offered.
How much income do I need to buy a house?
It depends on the price, rate, down payment and your other debts. Rather than guess, work backward: pick a monthly payment you are comfortable with, and these calculators show the income and home price it supports.
Is it better to rent or buy right now?
It depends on how long you will stay, local prices versus rents, and what your down payment could earn elsewhere. Buying usually wins the longer you stay; the rent-vs-buy calculator puts real numbers on your situation.