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Estimates affordable home price from income, debts, down payment and rate. Use before house hunting; differs from mortgage-payoff by max budget vs existing-loan payoff. Returns affordable price, monthly payment and DTI check. 100% client-side.
Home Affordability Calculator is loading — interactive editor will appear here. Use examples below to try instantly once loaded.
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Estimates the home price you can afford based on your annual income, other monthly debts, available down payment, mortgage rate, and the maximum debt-to-income ratio you choose to allow. Back-calculates a realistic price range from your own affordability rule.
Lenders approve based on the debt-to-income ratio, but approvals don't tell you what keeps your budget comfortable. This calculator back-calculates a realistic price from your own affordability rule.
This tool is part of the DevStackIO platform — a collection of free online developer tools from DevStackIO. Browse more free developer resources on DevStackIO.
First-time buyers setting a price range, families checking budget limits, and anyone comparing how a larger down payment changes affordability.
Enter your annual household gross income
Enter other monthly debt payments (cards, auto, student loans)
Enter the down payment you have available
Set a mortgage rate, term, and the max DTI you want
Read the affordable home price and monthly housing budget
Adjust the DTI or down payment to see how your range changes
$90,000 income, $40,000 down, 6.5% for 30 years at 36% DTI → affordable ≈ $290,000$120,000 income, $60,000 down, 6% for 30 years at 36% DTI → affordable ≈ $430,000$90,000 income, $80,000 down, 6.5% for 30 years at 36% DTI → the larger down payment adds roughly $40,000 of buying power$150,000 income with $1,200/month in other debts → the debts shrink affordable price by tens of thousandsDoes this tool support multiple currencies?
Yes, select your currency from the dropdown. All calculations run locally in your browser.
What is a good DTI to use?
36% is a common comfortable cap; lenders may stretch to 43%.
Does this include property taxes?
No, those are added on top of the mortgage.
Can I lower the payment by increasing down payment?
Yes, try a larger down payment and re-run.
Is my data shared?
No, everything runs locally in your browser.
What is DTI?
The debt-to-income ratio: your total monthly debt payments divided by your gross monthly income.
Why should I use 36% instead of the lender's max?
A buffer protects you when rates rise or income dips.
Authoritative specifications, standards, and in-depth reading for Home Affordability Calculator.
Cards, auto, student loans
Affordable home price
$467,169.21
Financed amount
$427,169.21
Monthly housing budget
$2,700.00
Based on the max debt-to-income you allow. Property taxes, insurance, and HOA are not counted.
Not financial advice
The results from this calculator are provided for general informational and educational purposes only. They are estimates based on the assumptions you enter and do not constitute financial, tax, legal, or investment advice, nor a recommendation to buy, sell, or hold any financial product. Tax codes, rates, and regulations change frequently and vary by country, state, and local jurisdiction — and may differ based on your individual circumstances, employer plan rules, and provider policies. Always verify the figures with current official sources and consult a qualified financial, tax, or legal professional before making any financial decision. All calculations run privately in your browser; nothing you enter is sent to our servers.
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