Calculatree

Home Affordability Calculator

See the maximum home price your income and debts support under standard lending ratios.

Inputs

Updates live as you type

How it works

Lenders qualify you on two ratios: housing costs versus income (front-end) and total debt versus income (back-end). This calculator works backward from those limits, accounting for your down payment, rate, and property taxes, to a maximum price.

Frequently asked questions

Should I buy at my maximum?

Usually not. Qualifying for a payment is not the same as comfortably affording it once you add maintenance, utilities, and savings goals. Many buyers target a payment below the cap.

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