How much house can you actually afford?
HomeAffordability.io gives you 15 free calculators to plan your home purchase — affordability, mortgage payments, down payments, PMI, refinancing, and more. No sign-up required.
Home Affordability Calculator
Enter your income, debts, and down payment to estimate the home price that fits your budget.
Annual, as a % of home value. U.S. average is around 1.1%.
Estimated home price you can afford
$277,700
Limited by your housing budget (28% rule)
Max monthly payment
$2,100
Loan amount
$247,700
Down payment %
10.8%
Monthly payment breakdown
- Principal & interest
- $1,566
- Property tax
- $255
- Homeowners insurance
- $125
- PMI (estimated)
- $155
- HOA dues
- $0
15 free calculators for every step of buying a home
From figuring out your budget to comparing renting vs. buying, we've got a calculator for it.
Affordability
Home Affordability Calculator
Find out how much house you can afford based on your income, debts, down payment, and loan terms.
Income-to-Home-Price Calculator
See what home price your salary supports using common income-to-price multiples.
FHA Affordability Calculator
Estimate how much home you can afford with an FHA loan, including upfront and annual mortgage insurance.
VA Affordability Calculator
Estimate your VA loan buying power, including the VA funding fee and $0-down financing.
Payments & Costs
Mortgage Calculator
Calculate your estimated monthly mortgage payment including principal, interest, taxes, and insurance.
Monthly Payment Calculator
Break down your full monthly housing payment: principal, interest, taxes, insurance, PMI, and HOA.
Down Payment Calculator
Figure out how much cash you need upfront and how your down payment size changes your monthly payment.
Property Tax Calculator
Estimate your annual and monthly property tax bill based on your home's value.
PMI Calculator
Estimate your private mortgage insurance cost and see when you can drop it.
Closing Cost Calculator
Estimate the closing costs you'll pay when finalizing your home purchase.
Rates & Refinancing
Ratios & Qualification
Why use HomeAffordability.io?
Instant, private results
Every calculator runs in your browser. Your numbers are never sent to a server or stored.
Built on real lender math
We use the same amortization formulas and DTI thresholds lenders actually rely on.
Always free
No sign-up, no paywalls. Every calculator on this site is free to use, anytime.