Tools

Affordability Calculator

Enter your income, monthly debts, an interest rate, down payment, and loan term to get an estimated price range, a full payment breakdown, and a plain-English verdict on your debt-to-income ratio. This runs entirely in your browser — nothing you type is sent anywhere.

Today's average 30-year fixed rate: 6.49% (Freddie Mac PMMS, June 25, 2026). The calculator below is pre-filled with this rate — adjust it to match your own quote.

How this calculator works

We use your gross monthly income and existing monthly debts to find the maximum PITI (principal, interest, taxes, insurance, and HOA) that keeps you at or under a 28% front-end housing ratio and a 43% back-end debt-to-income ratio — whichever is more restrictive. We then back-solve for a loan amount and purchase price using your entered rate, term, and down payment percentage, after subtracting estimated taxes, insurance, and HOA from the available PITI. See the full methodology in How Much House Can I Afford and Debt-to-Income Ratio Explained.

This is a planning estimate, not a pre-approval. Your actual lender will use your specific credit profile, documented income, verified debts, and property-specific tax and insurance figures, which can move the number meaningfully in either direction. For a property-specific estimate, use the Listing Analyzer with a real listing's tax, HOA, and insurance figures.