Home Affordability Calculator

Estimate the maximum home price you can afford using the 28/36 qualifying rule — housing costs ≤ 28 % of gross income, total debts ≤ 36 %.

Annual gross income Monthly debts (car, student loans, credit cards, etc.) Down payment

Percent down is relative to the resulting home price.

Annual interest rate (APR %)

Quick links: Bankrate, Freddie Mac PMMS

Loan term (years)

Max home price: —

Max loan amount: —

Estimated monthly P&I: —

Based on 28/36 qualifying rule only. Does not include taxes, insurance, or PMI.