Home price you can afford
$366,247
Max monthly housing$2,250
Loan amount$276,247
Estimated total DTI36.0%
How much house your income and DTI limit support
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Home price you can afford
Underwriting generally keeps total debt-to-income at or below 36%. Enter income, existing debt payments, cash on hand and the rate, and this works backwards to the monthly housing payment you can carry and the price it supports.
The supported home price is constrained by both the monthly payment ceiling and available cash. If the cash constraint is lower, saving a larger down payment may matter more; if the DTI constraint is lower, price or rate has more influence.
Qualification is not the same as comfort. Credit score, loan program, reserves, taxes, insurance and lender overlays can change approval, while expenses omitted from DTI can still strain cash flow.
Inputs are applied directly to standard finance formulas with monthly compounding where relevant. Results are estimates in the selected currency; they do not include every tax, fee, benefit, market event or local rule. Try a conservative and an optimistic case before making a decision.
Last reviewed: August 2026. Primary references include the IRS 2026, SSA, BLS CPI, U.S. DOL, CFPB.
At 6–7% rates, three to four times annual income is typical. The DTI limit and the rate move it a lot.
Housing plus other debt payments should stay under 36% of gross monthly income. A conservative target is 28% for housing alone.
20% avoids PMI, while FHA loans start at 3.5%. The table compares the price each level supports.
Add up recurring debt payments — car loans, student loans, credit card minimums.
All math runs in your browser and your inputs are never sent to a server. Settings are saved locally and share links encode the state in the URL. For information only — not investment or tax advice.