Enter your income and debts to see how much house fits your budget — with conservative, moderate, and stretch scenarios.
$10,000/month before taxes
Car loans, student loans, credit cards, etc.
$405,138
$2,500/mo · 25% down
Comfortable — plenty of room for savings
Browse homes under $405,138$445,664
$2,800/mo · 22% down
Standard 28% rule — recommended by most lenders
Browse homes under $445,664$513,208
$3,300/mo · 19% down
Tight — possible but less financial flexibility
Browse homes under $513,208Most lenders use the 28/36 rule: your housing costs (mortgage, tax, insurance) should not exceed 28% of your gross monthly income, and your total debt payments should stay below 36%. This calculator uses these ratios to estimate your maximum affordable home price.
The conservative budget uses 25% of income — leaves plenty of room for savings, emergencies, and lifestyle. The moderate budget uses the standard 28%. The stretch budget goes to 33% — doable if you have low other debts and strong income growth, but leaves less margin. Most financial advisors recommend staying at or below 28%.
This gives you a starting estimate. Your actual approval depends on credit score, employment history, existing debts, and the specific loan program. PMI (if under 20% down), HOA fees, and maintenance costs are not included — budget an additional 1-2% of home value annually for maintenance.
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