Turn income, debts, cash available, rates, and ownership costs into a clear purchase range and comfort score.
Affordability planner
Work through income, cash, and ownership costs
Property tax, homeowners insurance, and HOA fees are optional. Leave any of these fields at 0 if you do not want them included in your affordability estimate.
Step 1
Income & debts
Step 2
Cash & loan
Step 3
Ownership costs
Freddie Mac PMMS 30-year fixed-rate mortgage average as of 2026-06-18. Adjust it to match your quote.
A 36% debt-to-income ratio is a common planning guideline, not an approval guarantee.
National effective property tax rate benchmark from ATTOM-referenced 2026 reporting. Set to 0 to exclude property tax.
Annual estimate as a percent of home price. Set to 0 to exclude insurance.
Set to 0 to exclude HOA fees.
Estimated affordable price
$477,438
Based on a 36.0% target debt-to-income ratio.
Comfort score
68/100
Est. DTI
36.0%
Balanced: Reasonable with cash reserves
These results are estimates only. Compare this planning estimate with lender quotes, local taxes, insurance quotes, HOA documents, and cash reserves.
Optional next steps
Create Free Dashboard
Save mortgage, affordability, and equity results in one place.
Check Affordability
Compare this result against an income and debt-based price range.
Estimate Equity
Use your value and mortgage balance to understand ownership equity.
Contact Us
Send a question about calculations, partnerships, or account access.
Powered by YourHomeCosts.com. Results are educational estimates only.
The comfort score is a planning signal, not lender approval. Keep room for repairs, utilities, insurance changes, and savings.
Current presets: 6.47% mortgage rate, 0.9% property tax rate, and 36% DTI. Adjust them to match your situation.
Calculator glossary
What each affordability input means
- Annual household income
- Your estimated gross yearly income before taxes. The calculator converts this into gross monthly income.
- Monthly debt
- Recurring debt payments such as auto loans, student loans, minimum credit card payments, and personal loans.
- Down payment
- Cash you plan to put toward the purchase price. A larger down payment can reduce the loan amount and payment.
- Mortgage interest rate
- Freddie Mac PMMS 30-year fixed-rate mortgage average as of 2026-06-18. You can adjust the default to match a real lender quote.
- Property tax rate
- National effective property tax rate benchmark from ATTOM-referenced 2026 reporting. Property taxes vary locally, and setting this to 0 excludes tax from the estimate.
- Home insurance estimate
- A planning estimate for annual homeowners insurance as a percent of home price. Set it to 0 to exclude insurance.
- HOA fee
- Monthly homeowners association dues. Set this to 0 when the home has no HOA or you want to exclude HOA from the estimate.
- Debt-to-income ratio
- The share of gross monthly income going toward monthly debt plus the estimated housing payment. The 36% preset is a common planning guideline, not a guarantee of loan approval.
- Estimated monthly payment
- The estimated payment from principal and interest plus any included property tax, insurance, PMI, and HOA assumptions.
- Estimated affordable home price
- The estimated purchase price that fits the selected income, debt, down payment, mortgage rate, DTI, and optional ownership-cost assumptions.
Affordability while browsing
Use your affordability mindset on real home listings.
The YourHomeCosts Chrome extension estimates monthly payment and affordability fit directly on supported listing pages.