How much house can I afford?
Reverse solver from your income, debts, and DTI target.
$
$
Car loans, student loans, credit card minimums.
$
%
% / yr
DTI target
Front-end DTI28%
Back-end DTI36%
Max affordable price
You can afford up to
$411,586
at 6.5% for 30 years with $50,000 down.
P&I
$2,285
Tax + Ins
$514
Total monthly
$2,800
Sensitivity to rate
Rate 5.50%
$445,125
Rate 6.50%
$411,586
Rate 7.50%
$382,149
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How this works
Home affordability is the maximum price you can borrow against while keeping your housing and total debt payments within a lender's debt-to-income (DTI) limits — typically 28% front-end and 36% back-end for conventional loans.
Front-end DTI is your housing payment (PITI) divided by gross monthly income. Back-end DTI adds all other monthly debts. Lenders cap both.
Conventional loans commonly use 28/36. FHA allows 31/43 for stronger applicants.
Worked example. $120k income + $500/mo debts at 6.5% on 30 years with $50k down → about $411,586 max at 28/36 DTI.