How Much House Can I Afford? Calculator

Estimate a comfortable home price based on your income, down payment, and monthly debts.

Annual income

Monthly debts Car loans, student loans, credit cards, and other recurring debt payments.

Down payment

Assumptions

Debt-to-income ratio The share of gross monthly income that goes toward total debt. 36% is a common comfortable target.

Interest rate

Loan term

Include PMI Include taxes & insurance

Property tax (yearly) Entered as a percentage of the home's value per year.

Home insurance (yearly)

HOA dues (monthly)

You can afford a house up to

$322,815

Based on your income, a house at this price should fit comfortably within your budget.

Estimated monthly payment $2,500

Loan amount $282,815

Down payment $40,000

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Estimated Monthly Payment Breakdown

This estimate caps total monthly debt at your debt-to-income ratio and assumes a fixed-rate loan. PMI is estimated at 0.83% of the loan amount per year when your down payment is under 20%. Results are for illustrative purposes only, are not a loan offer or pre-approval, and do not represent any specific Vision Retirement strategy or service. Consult a CFP® professional about your specific situation.