How Much House Can You Afford?
See your max home price using the 28/36 rule — from your income, debts, down payment, rate, and taxes. Free, private, instant.
Your numbers
What you can afford
- Max home price
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- Est. monthly payment
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- Max loan amount
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- Max monthly housing budget
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Stop recalculating every time
Track it automatically with Home Buying Command Center
This calculator gives today's number. Home Buying Command Center runs the math live and logs it — one offline file, no subscription. One-time $29.
See Home Buying Command Center →Questions
- How much house can I afford?
- A common guideline is the 28/36 rule: spend no more than 28% of gross monthly income on housing, and keep total debt under 36%. This calculator applies both and backs out a max home price from your rate, term, and down payment.
- Does this include taxes and insurance?
- Yes — you enter estimated monthly taxes + insurance, and it is subtracted from your housing budget before computing the loan, so the max price reflects the real payment.
- Is this free?
- Yes — free, in your browser, private. The full Home Buying Command Center tracks your whole home search, tours, and closing timeline.
Related: guide · Home Buying Command Center · all dashboards