Home Affordability Calculator
Free home affordability calculator: your monthly payment and the home price a 28/36 rule allows. Runs in your browser and stores nothing. An estimate, not financial advice.
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About Home Affordability Calculator
A free calculator for people thinking about buying a home in the US. Enter the home price, down payment, interest rate, loan term, property tax, insurance and HOA dues to see the all-in monthly payment, split into principal and interest and the other housing costs. Add your gross income and other debts to see your housing share of income and the price the common 28/36 guideline allows. It runs in your browser and nothing is sent or saved. It is an estimate, not financial advice, and it leaves out mortgage insurance and closing costs.
Key features
- All-in monthly payment including tax, insurance and HOA
- Price the 28/36 guideline allows for your income and debts
- Housing and total debt share of gross income
- Results update as you type, with a worked example
Who is this website for?
First-time and repeat home buyers in the US who want a quick estimate of the monthly cost and a sensible price range before talking to a lender.
What can visitors do here?
Check a home before an offer: for a $400,000 home with 20% down at 6.5% over 30 years, see the $2,539 all-in monthly payment and what share of a $120,000 income it takes.
What makes it different?
No sign-up, no ads and no data collection: everything is calculated in your browser, and the page shows the arithmetic in a worked example.
Information was provided by the submitter and is not independently verified or endorsed by MeWebLink. Screening does not guarantee safety, accuracy or search indexing.
