How Much House Can I Afford Calculator 2025?
Free calculator + expert guide to determine your exact home budget
💰 Ready to Find Your Budget?
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🧮 Free Affordability Calculator
Your Results:
You Can Afford
$328,315
Max Monthly Payment
$1750/mo
Loan Amount
$278,315
Your DTI Ratio
8.0%
Compare rates from 300+ lenders to maximize your buying power!
💡 Get Your Exact Budget
Get pre-approved today and know exactly what you can afford!
Compare Lenders Now →📏 The 28/36 Rule
28% Rule
Housing costs should not exceed 28% of gross monthly income.
Example: $75,000 income = $6,250/month = $1,750 max housing payment
36% Rule
Total debt should not exceed 36% of gross monthly income.
Example: $75,000 income = $6,250/month = $2,250 max total debt
Get pre-approved to see if you meet the 28/36 rule!
💰 Affordability by Income
| Annual Income | Max Payment | Home Price |
|---|---|---|
| $50,000 | $1,167/mo | $200K-$250K |
| $75,000 | $1,750/mo | $300K-$375K |
| $100,000 | $2,333/mo | $400K-$500K |
| $150,000 | $3,500/mo | $600K-$750K |
Compare rates to see your exact buying power!
🚀 8 Tips to Increase Buying Power
1. Improve Credit Score
740+ gets best rates. Every 20 points saves $50/month.
2. Pay Down Debt
Lower DTI = higher buying power. Pay off credit cards first.
3. Larger Down Payment
20% down eliminates PMI and reduces monthly payment.
4. Shop Multiple Lenders
Compare 300+ lenders - rates vary by 0.5%+!
5. Consider FHA/VA Loans
Lower down payments, flexible credit requirements.
6. Increase Income
Side hustles, overtime, raises boost buying power.
7. Get Gift Funds
Family gifts for down payment (properly documented).
8. Buy Below Max
Use 80-90% of max approval for safety buffer.
❓ FAQ
🏠 Ready to Find Your Dream Home?
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