Home Affordability Calculator

How much house can you comfortably afford?

A realistic price range based on your income, debt, and down payment — not just the maximum a lender might approve.

Home Affordability Calculator | Yellow

Your finances

Gross monthly income

Before taxes — combine both incomes if you're buying with someone else.

Monthly debt payments

Car loans, student loans, credit card minimums, other loans. For the fuller picture, try the DTI calculator.

Down payment

Not sure what's realistic? See the down payment calculator.

Rate assumption

Estimated interest rate

Defaults to an approximation of current averages — adjust if you have a different estimate.

Your price range

Comfortable

Stretch ceiling

Enter your info to see your range.

At the comfortable price

Principal & interest$0

Taxes & insurance (est.)$0

Mortgage insurance (est.)$0

Total monthly payment$0

Why two numbers? "Comfortable" keeps your housing payment under about 28% of income and total debt under 36% — a conservative starting point. "Stretch ceiling" reflects the higher end many lenders allow (up to 31%/43%). Comfortable leaves more room in your monthly budget; stretch shows what's technically possible. For a rate tailored to your actual credit range, try the pre-approval estimator.

Start your pre-approval

These figures are planning estimates, not a loan offer or lending decision. They assume a 30-year fixed loan, combined property tax and insurance of about 1.4% of the home price per year, and mortgage insurance of about 0.6% per year on loans with less than 20% down — all rough assumptions that vary by location and lender. Actual guidelines vary by loan program. See the full affordability guide for how these numbers work.

How much house can you comfortably afford?

Let's get you home.

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