Tool
How much house can you actually afford?
Not "how much will a bank hand you" — how much can you afford without feeling squeezed every month. Enter your numbers below; everything recalculates instantly and nothing leaves your browser.
| Scenario | Home price | Est. P&I | Est. taxes & insurance | Total monthly |
|---|---|---|---|---|
| Comfortable | $0 | $0 | $0 | $0 |
| Stretch | $0 | $0 | $0 | $0 |
| Bank max | $0 | $0 | $0 | $0 |
"Est. taxes & insurance" is a rough, illustrative estimate (1.3% of home price per year) — actual property tax and homeowners insurance vary a lot by location.
Educational only, not financial advice. This calculator uses simplified, illustrative assumptions (a 30-year loan, a flat tax-and-insurance estimate) to help you get oriented — it is not a loan offer, quote, or substitute for advice from a licensed lender or financial advisor. Real numbers depend on your credit, loan type, location, and current market rates.