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How much home can you afford?

Estimate how much you can spend on your home by entering just a few financial details.

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You can afford a house up to$268,314Based on your income, a house at this price should fit comfortably within your budget.
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The more information you can provide, the more accurate your estimate will be.

Annual income

Enter your (and your co-borrower's) annual income before taxes. Or click "Calculate by payment" to enter what you want to spend every month.

Monthly debts

Enter the monthly amount you pay for debts like car payments or student loans. Do not include rent or mortgage payments, or credit cards that you pay in full.

Down payment

Most home loans require a down payment of at least 3%. A higher down payment can lower your monthly payment and increase your affordability.


Your debt-to-income ratio (or DTI ratio) is a comparison of your monthly income and debts. This ratio is one factor that helps calculate your affordability.

Interest rate

The calculator includes a sample rate. However, your actual rate will vary based on factors like credit score and down payment.

Loan term

The calculator automatically assumes a 30-year (360 month) term, which is the most common term. You can edit your loan term in the advanced options.

Property tax

The amount you pay for property taxes can affect your affordability. The affordability calculator includes estimated amount, but you can edit it in the advanced options.

Home insurance

Like most lenders, we require homeowners insurance. It protects your home and is typically paid along with your mortgage payment.

HOA dues

Any HOA dues you pay each month can affect your affordability. You can edit this number in the advanced options.