United States Home Affordability
Estimate how much home you can afford in the United States from income, debts and savings.
About United States Home Affordability
Uses a 36% back-end debt-to-income limit (housing payment + other debts) in the United States to back into the loan you can carry, then adds your down payment to get a target home price.
Formula
Price
Price = affordable loan + down payment
Estimate — lenders also review credit, assets and reserves.
Frequently Asked Questions
Can I afford more?
Some programs allow 43–50% DTI; a bigger down payment and lower rate both increase the affordable price.
How accurate is this estimate?
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.
Related Calculators
United States specifics
- Currency
- $ USDUS Dollar
- Region
- North America
- Country code
- US
- Amounts look like
- $1,234,567.89
- Dates look like
- Mar 9, 2026
- Units
- imperialWeek starts Sunday
In United States, imperial units are in everyday use.
Results on this page are expressed in USD (US Dollar). Figures are estimates for general planning — confirm current rates and thresholds with the relevant United States authority before relying on them.