Affordability Ledger

How much house can I afford?

Works backward from your income, debts, and down payment — with property tax and insurance actually factored into the price, not bolted on after.

$
$
%
$
%
yrs
%/yr
$
$

36% back-end DTI is a common conventional guideline — some lenders and loan types (FHA, for instance) allow more. Property tax rate defaults to a rough U.S. average; check your county's actual rate for a tighter number.