How Much House Can I Afford?
Use the calculator below for your exact numbers, or jump to a salary-specific guide. As a rule of thumb, lenders cap housing at 28% of gross income and total debt at 43%.
You can afford a home up to
$394,000
~$2,792.66/moCapped by housing ratio
Max loan amount
$334,000
Monthly payment
$2,792.66
Housing ratio
27.9%
Target ≤ 28%
Total-debt ratio
32.9%
Target ≤ 43%
Principal & interest
$2,188.57
PMI
$128.00
Affordability by salary
- $30,000/yr
- $32,500/yr
- $35,000/yr
- $37,500/yr
- $40,000/yr
- $42,500/yr
- $45,000/yr
- $47,500/yr
- $50,000/yr
- $52,500/yr
- $55,000/yr
- $57,500/yr
- $60,000/yr
- $62,500/yr
- $65,000/yr
- $67,500/yr
- $70,000/yr
- $72,500/yr
- $75,000/yr
- $77,500/yr
- $80,000/yr
- $82,500/yr
- $85,000/yr
- $87,500/yr
- $90,000/yr
- $92,500/yr
- $95,000/yr
- $97,500/yr
- $100,000/yr
- $102,500/yr
- $105,000/yr
- $107,500/yr
- $110,000/yr
- $112,500/yr
- $115,000/yr
- $117,500/yr
- $120,000/yr
- $122,500/yr
- $125,000/yr
- $127,500/yr
- $130,000/yr
- $132,500/yr
- $135,000/yr
- $137,500/yr
- $140,000/yr
- $142,500/yr
- $145,000/yr
- $147,500/yr
- $150,000/yr
- $152,500/yr
- $155,000/yr
- $157,500/yr
- $160,000/yr
- $162,500/yr
- $165,000/yr
- $167,500/yr
- $170,000/yr
- $172,500/yr
- $175,000/yr
- $177,500/yr
- $180,000/yr
- $182,500/yr
- $185,000/yr
- $187,500/yr
- $190,000/yr
- $192,500/yr
- $195,000/yr
- $197,500/yr
- $200,000/yr
- $202,500/yr
- $205,000/yr
- $207,500/yr
- $210,000/yr
- $212,500/yr
- $215,000/yr
- $217,500/yr
- $220,000/yr
- $222,500/yr
- $225,000/yr
- $227,500/yr
- $230,000/yr
- $232,500/yr
- $235,000/yr
- $237,500/yr
- $240,000/yr
- $242,500/yr
- $245,000/yr
- $247,500/yr
- $250,000/yr
- $255,000/yr
- $260,000/yr
- $265,000/yr
- $270,000/yr
- $275,000/yr
- $280,000/yr
- $285,000/yr
- $290,000/yr
- $295,000/yr
- $300,000/yr
- $305,000/yr
- $310,000/yr
- $315,000/yr
- $320,000/yr
- $325,000/yr
- $330,000/yr
- $335,000/yr
- $340,000/yr
- $345,000/yr
- $350,000/yr
- $355,000/yr
- $360,000/yr
- $365,000/yr
- $370,000/yr
- $375,000/yr
- $380,000/yr
- $385,000/yr
- $390,000/yr
- $395,000/yr
- $400,000/yr
- $420,000/yr
- $440,000/yr
- $460,000/yr
- $480,000/yr
- $500,000/yr
- $520,000/yr
- $540,000/yr
- $560,000/yr
- $580,000/yr
- $600,000/yr
Sources: CFPB — debt-to-income ratio.
Estimates for educational purposes only — not a loan offer, financial advice, or a commitment to lend. Actual rates, payments, and terms vary by lender and creditworthiness.