How Much House Can I Afford? Calculator 2026

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You can afford a home 3-4.5× your annual income. On a $100K salary with 20% down and 6.10% rate, you can afford ~$420,000-$450,000. The 28/36 rule says your housing payment shouldn't exceed 28% of gross income ($2,333/month on $100K). Use the calculator below for your exact number.

How Much Home Can You Afford by Income (July 2026)

Annual IncomeMax Payment (28%)Home Price (10% down)Home Price (20% down)
$50,000$1,167/mo$195,000$215,000
$75,000$1,750/mo$310,000$340,000
$100,000$2,333/mo$410,000$450,000
$150,000$3,500/mo$605,000$665,000

Home Affordability Calculator

Determine how much house you can afford based on your income, debts, and other financial factors.

Usually between 28% and 43%

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What You Can Afford

Maximum Home Price:$0
Maximum Loan Amount:$0
Estimated Monthly Payment:$0/month

Monthly Payment Breakdown

Price Options by Comfort Level

Understanding Your Results

Conservative Price: A safer option that leaves more room for unexpected expenses.

Moderate Price: Balance between your financial capacity and budget comfort.

Aggressive Price: The maximum you might afford, but with less financial wiggle room.

Income-to-Value Ratio: 0.00 - This ratio is low, meaning the house price is high relative to your income.

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Affordability FAQ

How much house can I afford on a $75,000 salary?
On a $75,000 salary with the 28/36 rule, your max monthly housing payment is $1,750. At 6.10% for 30 years with 10% down, you can afford approximately $310,000-$330,000. With zero other debts, you could stretch to $350,000.
What is the 28/36 rule for mortgages?
The 28/36 rule: spend no more than 28% of gross monthly income on housing and no more than 36% on total debt. Example: $100K salary = max $2,333/month housing, $3,000/month total debt.
How much house can I afford with a $100,000 salary?
With a $100,000 salary, 20% down, and 6.10% rate, you can afford approximately $420,000-$450,000. With $500/month in other debts, your max drops to $380,000-$400,000.
How much down payment do I need?
Conventional: 3-20% down (20% avoids PMI). FHA: 3.5% down with 580+ credit. VA and USDA: 0% down. For a $400,000 home: 3.5% FHA = $14,000, 10% conventional = $40,000, 20% conventional = $80,000.
How much house can I afford on a $50,000 salary?
On a $50,000 salary, your max monthly housing payment is $1,167 (28% rule). At 6.10% with 10% down, you can afford approximately $195,000-$215,000. FHA 3.5% down can stretch your budget to ~$225,000.
How much house can I afford with a $150,000 salary?
On a $150,000 salary, your max monthly housing payment is $3,500 (28% rule). At 6.10% with 20% down, you can afford approximately $605,000-$665,000. With $800/month in other debts, your max drops to $540,000-$580,000.
What credit score do I need to buy a house?
Conventional: 620+. FHA: 580+ (3.5% down) or 500-579 (10% down). VA: typically 580-620+. USDA: 640+. Higher credit scores get lower rates: 740+ can save 0.5-1% vs 620.

Related Calculators & Guides

← All Free Mortgage CalculatorsMortgage Payment Calculator →Debt-to-Income Calculator →How Much Mortgage Can I REALLY Afford →Minimum Down Payment Guide →Hidden Costs of Homeownership →

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