Start with the month.
Then find the home.
Build a practical price range from your income, current payments, cash, and loan assumptions. Change any number and see the monthly plan update with it.
28% housing / 36% total debtThe lower planning limit sets the starting line.
- No account requiredUse the full calculator before deciding what comes next.
- Your numbers stay in this browserNothing you enter is stored or sent anywhere.
- Every assumption stays visibleRate, taxes, insurance, and term remain yours to adjust.
Make the estimate yours.
Start with the example, then replace each figure with your own. The result updates immediately and shows which guideline is setting the ceiling.
Set the boundary.
Income and commitments
Use gross income before taxes and the required payments already on your monthly ledger.
Cash and loan
Use the amount you plan to put down and a rate you want to pressure-test.
Property costs
Town, property type, down payment, and coverage choices can move these numbers.
Read the result.
With an estimated loan of $260,560 and a 13% down payment.
Housing reaches the planning limit before your other monthly debts do.
- Principal and interest
- $1,647/mo
- Property taxes
- $313/mo
- Home insurance
- $140/mo
- Other housing costs
- $0/mo
- Total monthly housing
- $2,100/mo
Keep in mindEducational estimate only. This is not a preapproval, rate quote, or lending advice. Taxes and insurance vary by town and property. HOA fees and mortgage insurance are not added automatically, and closing costs or maintenance are not included. A lender confirms actual numbers.
Wondering whether today's rate is a bad deal? See what your budget bought at every rate since 1971.
Selling instead? Estimate your home's value.