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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.

๐Ÿ  How Much House Can You Afford?

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

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28/36 Rule: Spend max 28% of income on housing, 36% on total debt
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Before taxes and deductions

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Car loans, credit cards, student loans, etc.

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Typically 10-20% of home price

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Annual property tax rate

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Monthly home insurance premium

๐Ÿ’กHome Buying Tips

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

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