Home Affordability Calculator 2026

How much house can you afford? Based on front-end (28%) and back-end (36%) DTI ratios.

Annual household income

Gross income before taxes

Monthly debts

Car loans, student loans, credit cards, etc.

Down payment

Cash you have for the down payment

Interest rate

30-year fixed mortgage rate

Annual property tax

Typically 1-2% of home value

Annual insurance

Homeowners insurance premium

Monthly HOA

Front-end DTI limit

Recommended: 28%

Back-end DTI limit

Recommended: 36%

Results

Max Home Price

Monthly Payment

Front-End DTI

Back-End DTI

Front-End DTI (Housing)

Back-End DTI (Total)

Monthly Breakdown

Principal & Interest	$0
Property Tax	$0
Insurance	$0
HOA	$0
Total Housing	$0
Existing Debts	$0

This calculator uses the 28/36 DTI rule. Lenders rarely approve loans where your housing costs exceed 28% of gross income or total debts exceed 36%. Actual rates and terms depend on your credit score, location, and lender.