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.
On a $100,000 salary ($8,333/mo gross), a comfortable housing payment is about $2,333/mo (28% front-end DTI). That points to a home price around $320k–$380k — more in high-cost metros, less if you’re carrying meaningful debt.
Price ranges on a $100,000 salary
At today’s 6.750% rate, 30-year loan, $20,000 down. Assumes national averages for property tax (1.1%) and insurance (0.35%).
| Scenario | Comfortable 28% DTI | Stretch 36% DTI | Lender-approval 43% DTI |
|---|---|---|---|
| No other debts Gross monthly income: $8,333 | $297,567 | $377,702 | $447,820 |
| $500/mo other debts Gross monthly income: $8,333 | $237,466 | $317,601 | $387,719 |
| $1,000/mo other debts Gross monthly income: $8,333 | $177,365 | $257,500 | $327,618 |
Rule of thumb: stay in the Comfortable column to leave real room for retirement, savings, and maintenance (1% of home value/yr).
A $100,000 income comfortably supports about $297,567
At $100,000/yr in gross income, 28% of gross monthly pay is about $2,333/mo. That’s the healthy ceiling for a total PITI payment — principal, interest, property tax, insurance, and PMI if your down payment is under 20%.
Every $500/mo of existing debt (car loans, student loans, credit cards) cuts your max home price by roughly $60,000. Paying down debts in the 3–6 months before applying for a mortgage is one of the fastest ways to increase affordability.
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Prefilled for $297,567 — the comfortable ceiling on your salary. See PITI, PMI, and tweak from there.
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