How Much House

Home Affordability Calculator

Find out how much home you can afford based on your income, debts, interest rate, and desired loan term.

Annual Gross Income

Monthly Debts (car, student loans, etc.)

Interest Rate

Today's average as of September 15, 2026. Adjust to your quote.

Loan Term

Down Payment20%

Property Tax Rate

California average is about 1.1%

Insurance Rate

Results

Maximum Home Price

$696,300.96

Maximum Loan Amount$557,040.77

Down Payment Needed$139,260.19

Est. Monthly Payment$4,786.43

Based on a 43% debt-to-income ratio. Actual qualification may vary.

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Other calculators

Conventional FHA VA Refinance DTI Extra Payment Rent vs Buy Blended Rate

FAQ

Affordability Calculator Questions

Straight answers from a California mortgage broker.

The calculator caps your total monthly debt (housing plus other payments) at 43% of gross monthly income, subtracts your existing debts, and solves for the loan that payment supports at your rate and term. The home price adds your down payment on top.

Often. Conventional loans go to 45% and sometimes 50% with strong credit and reserves; FHA can approve up to 56.9% with automated underwriting. Use the DTI calculator to see where you land.

Yes. It applies your tax and insurance rates to the maximum price and includes them in the monthly payment shown, which is why the loan amount is lower than income alone would suggest.

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This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: September 2026