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Mortgage Affordability Calculator

Tell us your monthly budget; we'll show the home price it supports.

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Work backward from what you can comfortably pay each month to the home price it supports, accounting for down payment, rate, term, taxes and insurance. Enter a monthly budget in the Affordability tab and the maximum price updates instantly.

How this calculator works

Enter your numbers and the monthly payment recalculates instantly — no submit button, no page reload. The payment breakdown separates principal, interest, taxes, insurance, PMI and HOA. Use the tabs to view a full amortization schedule, compare scenarios side by side, or work backward from a monthly budget. Your inputs are encoded in the page link so you can bookmark or share a scenario without any account.

Frequently asked questions

How much house can I afford?

It depends on your monthly budget, down payment, rate, and term. Enter a comfortable monthly payment and this tool solves for the maximum home price.

What percentage of income should go to a mortgage?

A common guideline is keeping total housing costs under about 28% of gross monthly income, though your own comfort level matters most.

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