Find out exactly how much house you can afford in seconds.
Planning to buy a home? Stop guessing and start calculating. Home Affordability Calculator uses proven financial formulas and real-time mortgage rates to show you the maximum home price that fits your budget.
INSTANT AFFORDABILITY ANALYSIS
Enter your income, debts, and savings to instantly see your maximum home price. Our smart calculator considers your debt-to-income ratio, down payment, and current interest rates.
LIVE MORTGAGE RATES
Get today's average 30-year conventional mortgage rate automatically—no manual research needed. Want to use a custom rate? Toggle it off and enter your own.
COMPLETE PAYMENT BREAKDOWN
See exactly where your money goes:
Principal & Interest
Property Tax (estimated)
Home Insurance (estimated)
Total Monthly Payment
Your Housing-to-Income Ratio
FLEXIBLE OPTIONS
Use standard 20% down payment or customize it
Choose 30-year mortgage or set your own term (15, 20, 25 years)
Automatically identifies if you're limited by savings or income
PERFECT FOR:
First-time homebuyers
Anyone planning to refinance
Real estate investors
Financial planning
Download now and take the guesswork out of home buying!
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
Planning to buy a home? Stop guessing and start calculating. Home Affordability Calculator uses proven financial formulas and real-time mortgage rates to show you the maximum home price that fits your budget.
INSTANT AFFORDABILITY ANALYSIS
Enter your income, debts, and savings to instantly see your maximum home price. Our smart calculator considers your debt-to-income ratio, down payment, and current interest rates.
LIVE MORTGAGE RATES
Get today's average 30-year conventional mortgage rate automatically—no manual research needed. Want to use a custom rate? Toggle it off and enter your own.
COMPLETE PAYMENT BREAKDOWN
See exactly where your money goes:
Principal & Interest
Property Tax (estimated)
Home Insurance (estimated)
Total Monthly Payment
Your Housing-to-Income Ratio
FLEXIBLE OPTIONS
Use standard 20% down payment or customize it
Choose 30-year mortgage or set your own term (15, 20, 25 years)
Automatically identifies if you're limited by savings or income
PERFECT FOR:
First-time homebuyers
Anyone planning to refinance
Real estate investors
Financial planning
Download now and take the guesswork out of home buying!
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
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