A house affordability calculator determines the maximum home price you can comfortably purchase based on income, debts, down payment, and interest rate. Most lenders use the 28/36 rule: housing costs ≤28% of gross income, all debts ≤36%.
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Pro Tip
Getting pre-approved before house hunting locks in your rate for 60–90 days and signals to sellers you're a serious buyer. Each percentage point in rate changes your payment by roughly $60/month per $100,000 borrowed.
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Did You Know?
The median US home price crossed $400,000 in 2022 for the first time. At a 7% mortgage rate, a buyer needs ~$90,000 in income just to qualify for the median home.
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