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🏘️ Home Affordability Calculator
Lenders cap your housing payment around 28% of gross income, total debt around 43%. This calculator works backwards from those rules: enter income, existing debts, down payment, and rate to see your maximum and comfortable home price.
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Examples
Single, $100k
Input
No debts, $50k down, 7% rateOutput
Max ~$420k · Comfortable ~$350kCouple, $200k
Input
$8k debts, $100k down, 7%Output
Max ~$650k · Comfortable ~$520kFrequently asked questions
Max vs comfortable?
Max is lender ceiling. Comfortable adds margin for car repairs, kids, job loss — usually 20-30% below max.
Closing costs?
Budget 2-5% of price for closing. Separate from down payment, often catches first-time buyers off guard.
About this calculator
Home Affordability Calculator runs entirely in your browser using standard formulas. No data is sent to any server. We don't share your inputs with lenders, brokers, or anyone else — there's no funnel and no follow-up email.
Related tools
- 🏠 Mortgage Calculator — Monthly mortgage payment with amortization breakdown. Principal, interest, taxes, insurance.
- ⚖️ Debt-to-Income (DTI) Calculator — Calculate your DTI ratio. Lenders use it to approve mortgages and refinances.
- 📋 Closing Costs Calculator — Estimate closing costs (2-5% of home price) including lender fees, taxes, title.
Why this calculator
vs typical free finance-calculator sites
| RichCalcs | Typical free site | |
|---|---|---|
| Price | Free | Free |
| Signup required | No | Often (for full results) |
| Ads inside the calculator | No | Yes (banner + sidebar) |
| Lead capture (email / phone) | No | Yes — sold to lenders |
| Data sent to server | No (browser-only) | Yes (analytics + tracking) |
| Amortization schedule | Full table | Often summary only |
| Bookmarkable URL per calc | Yes | Mixed |
| Loads in under 1s | Yes (static) | Often slow (ad tracking) |
| Open source | Yes | No |