Lenders cap your housing payment as a share of income, minus your other debts. Enter your numbers to see the home price and monthly payment you can realistically afford — instantly.
Affordable price and payment from income, debts, and down payment.
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A common guideline is that your housing payment shouldn't exceed roughly 28% of your gross monthly income, and total debt payments (including housing) shouldn't exceed around 36% — the '28/36 rule'. Lenders use similar debt-to-income limits to decide how much you can borrow. These are guidelines, not guarantees; your comfortable number may be lower depending on your other goals and expenses. This calculator lets you set the percentage that fits you.
The mortgage principal and interest are only part of a housing payment. Property taxes, homeowner's insurance, any HOA or condo fees, and mortgage insurance (if your down payment is small) all add to the monthly cost. A payment that fits your budget on principal-and-interest alone can be a stretch once these are added, so include them when judging affordability. The paid planner builds them in.
A ready-to-use spreadsheet (Excel & Google Sheets): affordable home price and monthly payment from your income, debts, and down payment, with taxes/insurance/HOA and rate scenarios — delivered instantly after checkout. AI-assisted, human-built; not financial advice.
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