How much house can you afford? This uses the lender's standard 28/36 rule. Everything runs in your browser — nothing is saved or uploaded.
| Monthly budget limited by | — |
|---|---|
| Principal & interest | — |
| Property tax | — |
| Insurance | — |
| HOA | — |
Lenders generally cap your front-end ratio — housing costs (mortgage principal & interest, property tax, insurance, and HOA) — at about 28% of your gross monthly income, and your back-end ratio — all debt payments including the mortgage — at about 36%. Whichever limit is lower sets your budget. This calculator solves for the highest home price that keeps you inside both.
Planning to rent it out instead of living in it? Run the deal through the rental property calculator. Want to see the loan paid down over time? Try the mortgage calculator.
Estimates only — your real budget depends on credit, loan program, and lender. Verify with a lender before house hunting.