🏠 Home Affordability Calculator
Find out how much house you can comfortably afford based on your income, debts, down payment, and local costs.
You Can Afford a Home Up To
—
Conservative: — | Stretch: —
Based on your income, debts, and chosen DTI
📋 Estimated Monthly Payment
Principal & Interest—
Property Tax—
Home Insurance—
PMI (if <20% down)—
HOA Dues—
Total Monthly Payment
—
📊 Debt-to-Income Ratio
0%28% (ideal)36% (good)43% (max FHA)50%+
⚠️ Estimates only. This calculator uses your gross income and a target debt-to-income ratio to estimate affordability. Actual lender qualification depends on your credit score, employment history, loan type, debt documentation, and lender-specific guidelines. FHA allows up to 43% back-end DTI; conventional loans typically target 36–45%. PMI rates vary by lender and credit score. Always consult a licensed mortgage professional for a real pre-approval.
Ready to find homes in your budget in Greater Philadelphia? Let's talk — I'll connect you with the right lender and search in your range.
Book a Free Buyer Consultation →