How much house can I afford calculator

Estimate a home price from income, debts, DTI, taxes, insurance, and PMI.

Income & debts

Gross annual household income

Other monthly debt payments

Down payment ($)

Mortgage rate (%)

Term (years)

Property tax rate (%)

Homeowners insurance ($/yr)

HOA ($/mo)

PMI rate if LTV>80% (%/yr)

Front-end DTI

Back-end DTI

Results

How much house can you afford?

Lenders often look at front-end DTI (housing costs ÷ income) and back-end DTI (all debts ÷ income). We solve for the highest price whose PITI + HOA + PMI fits both caps. Comfort and cash reserves matter more than the maximum.