Wondering how much house you can afford? You’re not alone. Whether you’re a first-time homebuyer or planning your next move, understanding how much you can comfortably spend on a home is a critical first step. Our Mortgage Affordability Calculator helps you estimate your price range based on your income, debts, down payment, and more—without the guesswork.

Homeownership is a huge financial commitment, and overextending your budget can lead to long-term stress. Our calculator uses industry-backed formulas and debt-to-income (DTI) standards to give you a personalized, realistic estimate of your maximum home price and monthly mortgage payment.

• Your monthly income before taxes
• Monthly debt payments (student loans, credit cards, auto loans)
• Estimated down payment
• Desired loan term (15 or 30 years)
• Estimated interest rate
• Property tax & insurance estimates (optional)

Once you input your data, you’ll instantly get:

• Estimated monthly housing payment
• Affordable home price range
• Front-end and back-end DTI ratios

This calculator is the perfect follow-up to our Debt-to-Income Ratio Calculator and Monthly Budget Calculator. By understanding what you can realistically afford, you can confidently begin home shopping—or continue saving toward a more comfortable down payment.

-Want to prepare more? Check out this top-rated homebuyer guide on Amazon.

-Need to save up more? check out our Savings Goal Calculator to see how much you need to save.