Is House Affordability Calculator free to use?

Yes, House Affordability Calculator is completely free to use. No signup or account is required. All processing runs in your browser, so your data stays private.

Is my data safe with House Affordability Calculator?

Absolutely. All processing happens locally in your browser. Your files and data are never uploaded to any server, ensuring complete privacy and security.

Calculators

House Affordability Calculator

Calculate how much house you can afford using the 28/36 rule

Currency:

Annual Income ($)

Monthly Debts ($)

Down Payment ($)

Interest Rate (%)

Loan Term (months)

360 = 30 years, 180 = 15 years

Property Tax Rate (%/yr)

Insurance/Year ($)

HOA/Month ($)

You Can Afford

$259,000

Maximum home price

Monthly Payment

$1,743

Total PITI + HOA

DTI Ratio

35.9%

Good (≤ 36%)

Monthly Breakdown

Principal & Interest

$1384

Property Tax

$259

Insurance

$100

HOA

Based on the 28/36 rule: Housing costs ≤ 28% of gross income, total debts ≤ 36% of gross income.

About House Affordability Calculator

Determine the maximum home price you can afford based on your annual income, monthly debts, down payment, mortgage terms, property taxes, insurance, and HOA fees.

Uses the standard 28/36 rule: housing costs should not exceed 28% of gross income, and total debt-to-income should stay under 36%. Provides a full PITI breakdown.