How much house can I afford?

Common rules of thumb

Many lenders look at debt-to-income. A popular planning rule is housing costs near ~28% of gross income — not a guarantee of approval.

Run the numbers

Use the mortgage affordability calculator, then estimate monthly P&I with the mortgage payment calculator.

Don’t forget taxes and insurance

Property tax and homeowners insurance add to monthly cost. Pair with the property tax calculator.

Educational content only — not tax or financial advice. Verify with IRS.gov or a CPA.