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Calculate percentages online, including percent of a number, percentage increase, and percentage decrease.
House affordability calculator
How much house can I afford? Find your maximum home price from income, debts, down payment, rate, taxes, insurance, and lender ratios.
Car, student loans, card minimums
How to use House affordability calculator
Work out how much house you can afford from your income and debts. The calculator finds the highest price whose full monthly cost fits the lender's debt-to-income limits.
The monthly cost includes:
- Principal and interest
- Property tax and home insurance
- HOA or service charges
- PMI when your down payment is under 20%
Pick conservative (28/36), FHA (31/43), or stretch (36/45) ratios. The first number caps housing costs and the second caps all debt payments, both as a share of gross monthly income.
House affordability calculator FAQs
Is House affordability calculator free?
House affordability calculator is a free online tool on ReallyUseful.Tools. No account is required.
Does House affordability calculator run in my browser?
House affordability calculator is designed to run in your browser where supported, so files can stay on your device instead of being uploaded to a server.
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