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Explore how much house you can afford by entering your annual income or a fixed monthly payment. To receive the most accurate affordability recommendation, use the advanced feature to include estimated property tax, insurance cost, and HOA fees (where applicable).

Below is how much house you can afford.

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Expect a home at this price to fit comfortably within your budget.

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Calculator Definitions

Monthly debts

Recurring debt such as current mortgage or rent, minimum monthly credit card payments, student loans, car payments, and alimony / child support.

Debt-to-income

A ratio expressed as a percentage, which results when a borrower's monthly payment obligation on long-term debts is divided by his or her gross monthly income.

Loan term

The amount of time (usually expressed in years) in which a borrower is required to make monthly payments toward a home loan.

Property Tax

The tax on the assessed value of real property (including the land) levied by local or municipal government jurisdiction where the property is located.

Home Insurance

A required policy covering a home, the property, and its contents against loss or damage including “liability” coverage against accidents in the home or on the property.

HOA Costs

HOA dues are a monthly or annual fee paid by owners of certain types of residential properties. They most often cover shared property maintenance and improvements but may vary by community.

Find a loan that fits your budget

There’s a lot of work that goes into affording a mortgage payment. For many borrowers, that means creating a budget and eliminating unnecessary monthly expenses. Thankfully, you can still obtain a home loan without completely changing your lifestyle.

Our mortgage consultants are proud to offer various low down payment options, including FHA and VA loans. This allows you to start building equity right away even if you don’t have a large down payment.

Improve your financial standing

Credit score and debt-to-income ratio (DTI) are significant factors when it comes to mortgage affordability. Improve these figures by paying down high-interest debt, staying current with bills, and disputing any errors on your credit report. Increasing your income with a promotion or second job also decreases your borrowing risk.