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House Affordability Calculator
Calculate the maximum home price you can afford using the 28/36 rule (max 28% of gross income on housing, 36% on total debt).
FINANCECalculate the maximum home price you can afford using the 28/36 rule (max 28% of gross income on housing, 36% on total debt).
Detailed instructions, formula notes, and US-context guidance shown in the calculator above.
Disclaimer: Estimate only. Consult a qualified professional for decisions with major financial, legal, or health consequences.
House Affordability Calculator (28/36 Rule)
28/36 rule: housing ≤ 28% of gross monthly income; total debt ≤ 36%. The maximum lender DTI is higher (43-50%) but 28/36 is the safe affordability zone.
Maximum Affordable Home Price
$322,126
Max PITI (per month)$2,333
28% housing limit$2,333
36% total debt limit$3,000
Conservative affordability per the 28/36 rule. Lenders may approve much higher (up to 43% DTI for QM loans, 50%+ for non-QM). HOA, PMI, and HOA fees not included above.
Frequently Asked Questions
What is the House Affordability Calculator for?
Calculate the maximum home price you can afford using the 28/36 rule (max 28% of gross income on housing, 36% on total debt).
How do I use the House Affordability Calculator?
Detailed instructions, formula notes, and US-context guidance shown in the calculator above.
How accurate are my house affordability results?
Estimate only. Consult a qualified professional for decisions with major financial, legal, or health consequences.
Is the House Affordability Calculator free to use?
Yes - every calculator on WhichCalc is completely free with no signup, no usage limits, and no tracking on the calculation itself. Results display instantly in your browser and your inputs are never sent to a server. Bookmark the page if you use this calculator regularly.