Real affordability answers, by income, price, and down payment.
Every common affordability question answered with real PITI math — not napkin estimates. Pick the scenario closest to yours.
How much house can I afford on my salary?
Plug your income into the 28/36 rule. See your comfortable, stretch, and lender-approval price range.
How much house can I afford on a $60,000 salary?
A realistic price range based on today’s rates, taxes, insurance, and the 28/36 rule.
How much house can I afford on an $80,000 salary?
A realistic price range based on today’s rates, taxes, insurance, and the 28/36 rule.
How much house can I afford on a $100,000 salary?
A realistic price range based on today’s rates, taxes, insurance, and the 28/36 rule.
Home price → salary & cash required
Pick a target home price. See the income and upfront cash you’d need to make it work.
What salary do you need to buy a $300,000 house?
Conservative, balanced, and lender-approval salary thresholds — based on real PITI numbers.
What salary do you need to buy a $400,000 house?
Conservative, balanced, and lender-approval salary thresholds — based on real PITI numbers.
What salary do you need to buy a $500,000 house?
Conservative, balanced, and lender-approval salary thresholds — based on real PITI numbers.
How much cash do you need to buy a $350,000 home?
Down payment plus realistic closing costs — the full cash-to-close figure for a $350k home.
Monthly payment by home price
The real PITI payment — with taxes, insurance, and PMI — on common home prices.
What’s the monthly payment on a $300,000 house?
Your full PITI payment at today’s rates — including property tax, insurance, and PMI where it applies.
What’s the monthly payment on a $400,000 house?
Your full PITI payment at today’s rates — including property tax, insurance, and PMI where it applies.
What’s the monthly payment on a $500,000 house?
Your full PITI payment at today’s rates — including property tax, insurance, and PMI where it applies.
If you pay X in rent, what can you buy?
Translate your current rent into a realistic home price at today’s rates.
Down payment comparison
Side-by-side PITI, PMI, cash-to-close, and lifetime interest for 5% vs 10% vs 20% down.
See today’s mortgage rates
Compare current mortgage options from top lenders before locking in a rate that shapes your budget for 30 years.
Get pre-qualified
See what lenders would approve based on your actual income, debts, and down payment.
Run the full numbers
Keep planning with our other free calculators and guides.
Affordability calculator
Full breakdown for your exact income and debts.
Mortgage calculator
Your real PITI monthly payment.
Closing costs calculator
Cash you’ll need at the closing table.
PMI calculator
When PMI applies and how much it costs.
Down payment calculator
How fast you can save toward your goal.
All tools
Every calculator a first-time buyer needs.