Free House Affordability Calculator
Find out how much home you can comfortably afford based on your income, monthly debts, and down payment. All calculations are private — nothing leaves your browser.
💰 Your Financial Details
🏡 Your Home Affordability Snapshot
Monthly Payment Breakdown
Your financial information stays on your device. This calculator works entirely in your browser. No data is ever uploaded, stored, or shared. 100% private and unlimited use.
How to Use the Free House Affordability Calculator
Our free house affordability calculator helps you quickly estimate a realistic home buying budget. Enter your annual household income, any monthly debt payments (like car loans or student loans), and your planned down payment. Then adjust the interest rate, loan term, property tax rate, and expected insurance and HOA costs. The tool instantly shows the maximum home price you can afford while staying within common lending guidelines.
The calculator follows the standard 28%/36% rule: your housing expenses should not exceed 28% of your gross monthly income, and your total debt payments (including the mortgage) should stay under 36%. All calculations run locally — your private financial details never leave your browser.
Why Use Our Home Affordability Estimator?
🔒 100% Private
Your income and debt information never leaves your device. This free home affordability calculator processes everything locally.
🏦 Lender‑Style Math
Uses the same debt‑to‑income ratios that mortgage lenders rely on, giving you a realistic picture of what you can borrow.
📊 Full Breakdown
See exactly how much goes to principal, interest, taxes, and insurance — no hidden surprises.
⚡ Instant Updates
Adjust any number and see the results immediately. No page reloads, no waiting.
Frequently Asked Questions
How much house can I afford?
Your maximum home price depends on your income, existing debts, down payment, and current interest rates. Use the calculator above to get a personalized estimate based on standard lending guidelines.
What is the 28/36 rule in mortgage lending?
The 28/36 rule states that your housing expenses should not exceed 28% of your gross monthly income, and your total debt payments (including housing) should stay below 36%. This mortgage affordability calculator applies both ratios automatically.
Is this house affordability calculator really free?
Yes — it is a 100% free home affordability tool. There is no sign‑up, no email required, and no limits on how many times you can use it.
Will my information be saved or shared?
No. This free house affordability calculator operates entirely inside your browser. Your financial data is never transmitted, stored, or accessible to anyone but you.
Does this include PMI or other costs?
The calculator focuses on principal, interest, property tax, insurance, and HOA. If your down payment is less than 20%, you may need private mortgage insurance (PMI). You can account for PMI by adding it to the monthly insurance field.
Can I adjust the debt‑to‑income ratios?
The calculator uses the standard 28%/36% guidelines. If you have a specific lender pre‑approval with different ratios, you can use the results as a strong starting point and adjust your budget accordingly.
Learn how to use this tool correctly by reading our step-by-step tutorial.
