🏡

House Affordability Calculator

Free house affordability calculator. Determine how much house you can afford based on income, debts, and down payment. Get your home buying budget.

🏠 How Much House Can You Afford?

Calculate your home buying budget based on the 28/36 rule

📊
28/36 Rule: Spend max 28% of income on housing, 36% on total debt
$

Before taxes and deductions

$

Car loans, credit cards, student loans, etc.

$

Typically 10-20% of home price

%
%

Annual property tax rate

$

Monthly home insurance premium

💡Home Buying Tips

✓20% down payment: Avoid PMI and get better rates
✓Get pre-approved: Know your exact budget before house hunting
✓Budget for maintenance: Plan for 1-3% of home value annually
✓Consider all costs: HOA fees, utilities, and closing costs add up
✨

Related Tools

Discover more powerful tools to boost your productivity

🏠

Mortgage Calculator

Calculate monthly mortgage payments

Try Now
🏠🔑

Rent vs Buy Calculator

Compare the financial impact of renting vs buying a home

Try Now
📊

Debt-to-Income Calculator

Calculate DTI ratio

Try Now
🚀100+ Free Tools Available

Why Koolyz?

  • ✓100% Free Forever - No Hidden Costs
  • ✓No Sign-up or Registration Required
  • ✓Privacy First - Runs Locally in Your Browser
  • ✓Fast & Reliable - No Watermarks