House Affordability Calculator

Uses typical housing-debt ratios with estimated property tax and insurance as a percent of home value.

Your finances

Gross annual income

Monthly non-housing debt payments

Down payment (% of price)

Mortgage APR (%)

Loan term (years)

Property tax (% of value / year)

Home insurance (% of value / year)

Max housing / income — “front end” (%)

Max total debt / income — “back end” (%)