Home affordability calculator

How much house
can you actually
afford?

Based on your income, debts, and down payment — using the same 28/43 DTI rules lenders use to qualify you.

28% front-end DTI rule

43% back-end DTI rule

All 50 states

Annual income

Monthly debts

Down payment

State

Interest rate6.85%

Loan term

Max home price

$272,865

~$2,113/mo · DTI: 7% existing debt

Conservative

$218,292

80% of max — safe cushion

Aggressive

$272,865

Max per DTI rules

How we calculate this

The 28/43 DTI rule explained

28%

Front-end ratio

Your total monthly housing costs (P&I + taxes + insurance + PMI) should not exceed 28% of your gross monthly income.

43%

Back-end ratio

Your total monthly debt payments (housing + car + student loans + credit cards) should not exceed 43% of your gross monthly income.

Compare lenders for a $222,864.839 loan

Best overall

6.74%

Rocket Mortgage

30yr fixed · 6.91% APR

Fast close

6.81%

Better Mortgage

30yr fixed · 6.97% APR

Compare rates

6.79%

Credible

30yr fixed · 6.88% APR