How much home can I afford?
Use the same 28/36 rule lenders use to find a home price range that fits your income, debts, and down payment — with the math explained in plain English.
$/yr
$/mo
Car loans, student loans, credit card minimums — not rent or utilities
$
%
years
A comfortable price range for you
$328,100 – $364,556
Monthly housing budget$2,567/mo
Toward loan payment$1,925/mo
Toward taxes & insurance (est.)$642/mo
Loan this supports$304,556
Plus your down payment$60,000
Your budget is set by the guideline that housing should stay near 28% of your income.
This is the 28/36 guideline most lenders start from, not a loan offer. Your credit score, location, and loan program all shift the real number.
Want to go deeper?
Ask Ava, our financing & structuring expert, about your numbers — it's free.