How Much House Can I Afford?

Start with the most you want to spend on housing each month. This calculator estimates a maximum purchase price and a more conservative shopping range, including principal, interest, property taxes, insurance, HOA, and estimated PMI when applicable.

Set your monthly budget

Results update as you change an amount. No contact information is required.

Monthly housing maximum

Include the full monthly amount you are comfortable spending on housing.

Down payment

Down payment amount

Switch between a percentage and dollar amount without losing the represented value.

Interest rate

Loan term

Property tax per year

Homeowners insurance per month

HOA per month

Planning estimate

Estimated maximum purchase price

Suggested shopping range $0–$0

Estimated monthly breakdown at the maximum purchase price:

Down payment: $0
Loan amount: $0
Principal & interest / month: $0
Property taxes / month: $0
Homeowners insurance / month: $0
Estimated PMI / month: $0
HOA / month: $0
Estimated total / month: $0

If your monthly maximum is a hard ceiling, consider the suggested range so ordinary changes in taxes, insurance, or HOA costs leave some room.

What this estimate includes

The calculator works backward from your monthly housing maximum. It estimates the purchase price whose principal and interest, property taxes, homeowners insurance, HOA, and applicable PMI fit that amount.

It is useful for early planning whether you are buying a home, rental property, or another residential investment.

Assumptions to review

30-year fixed-rate mortgage.
PMI may apply below 20% down.
Taxes and insurance are estimates based on the values you enter.
Actual lender terms, closing costs, taxes, insurance, HOA, and PMI can vary.

This is a planning calculator, not loan approval or lending advice.

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