按 28/36 规则和当前利率，计算你实际能负担的房价。
Target 20% to avoid PMI
Tax % • Ins % • HOA $/mo
$324,384
Loan amount: $304,384 • Down: $20,000 (6.2% of price)
| Monthly cost | Amount | % of income |
|---|---|---|
| Principal & Interest | $1,924 | 23.1% |
| Property tax | $307 | 3.7% |
| Insurance | $102 | 1.2% |
| Total housing (PITI + HOA) | $2,333 | 28.0% (front-end) |
| Total debt (housing + other) | $2,833 | 34.0% (back-end) |
Uses the 28/36 rule (front-end / back-end DTI): housing costs should not exceed 28% of gross monthly income, and total debt payments should not exceed 36%. Lender guidelines may be more or less strict (FHA allows up to 31/43, conventional typically 28/36, conforming 50% DTI available with strong credit).
按 28/36 规则 + 20% 首付 + 房产税 1.2% + 保险 $1,200/年：
| 家庭税前年收入 | 最高月供（28%） | 可负担房价 |
|---|---|---|
| $60,000 | $1,400 | $185,000 |
| $100,000 | $2,333 | $310,000 |
| $150,000 | $3,500 | $465,000 |
| $200,000 | $4,667 | $620,000 |
28/36 规则：住房支出 ≤ 28% 毛收入，总负债 ≤ 36%。当前高利率环境下，可负担金额比 2020 年低 25-30%。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
No server roundtrip. All math runs in your browser so results appear the moment you finish typing.
We never collect, store, or transmit your inputs. Every calculation runs locally in your browser.
Each calculator includes the formula, plain-English explanation, and FAQs so you understand the result.
Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
FAQ
Everything you need to know about this calculator. Can't find what you're looking for? Email our team.
A house affordability calculator is a free home-buying planning tool that estimates the home price you can afford based on your income, debts, down payment, and expected mortgage rate. Our house affordability calculator uses the 28/36 rule: housing costs should not exceed 28% of gross monthly income (front-end ratio) and total debt payments should not exceed 36% (back-end ratio). The calculator solves for the maximum loan amount, then adds the down payment to get the home price.
How it works
Our house affordability calculator uses the 28/36 rule to find the maximum home price you can afford based on income, debts, down payment, and mortgage rate.
Type your household gross annual income (before tax). The house affordability calculator divides by 12 for the monthly DTI calculation.
Type your monthly debt payments (car, student, cards, child support) and your planned down payment. 20% down avoids PMI; FHA allows 3.5%.
Type the expected mortgage rate (current 30-year fixed is around 6.5% in 2026) and loan term (15, 20, or 30 years). The house affordability calculator solves for max loan amount given the resulting monthly payment.
Type your expected property tax rate (0.5-2.5% depending on state), insurance rate (0.3-0.5%), and any monthly HOA fees. These are deducted from your max allowed housing payment to find the P&I portion.
The house affordability calculator shows the maximum home price you can afford, the loan amount, monthly P&I, total monthly housing cost (PITI + HOA), and both the front-end (28%) and back-end (36%) debt-to-income ratios.
Estimate monthly mortgage payment, total interest, and amortization schedule.
Calculate your debt-to-income ratio for loan qualification.
Calculate the down payment needed for a home and how long it takes to save.
Compare the total cost of renting versus buying a home.
Sponsored