Most mortgage calculators stop at principal and interest. Ours include property tax, homeowners insurance, PMI or FHA mortgage insurance, and HOA dues, so the number you see is the payment you will actually make. Enter your income, debts, and savings to see a comfortable price and the most a lender is likely to approve.
How Much House Can I Afford? Calculator
Includes property tax, homeowners insurance, PMI or FHA mortgage insurance, and HOA dues.
Estimates only. “Comfortable” keeps housing costs at or under 28% of gross income and all debts at or under 36%. “Stretch” uses common lender limits (conventional: 45% total DTI; FHA: 31% housing / 43% total). FHA includes 1.75% upfront MIP financed into the loan and annual MIP. HomeAffordLab is not a lender and this is not financial advice.
Start here
- How much house can I afford? The full guide to the 28/36 rule, affordability by salary, and the five inputs that change your number most.
- Mortgage payment calculator The full monthly payment on a specific home, with taxes, insurance, PMI, and a year-by-year amortization schedule.
- FHA loan calculator Your FHA payment with upfront and annual mortgage insurance, the 2026 loan limits, and a side-by-side comparison with a conventional loan.
- Home affordability guides Everything about budgets, debt-to-income ratios, and what lenders look for.
Why HomeAffordLab
- Every assumption on screen. Rates, tax rates, and insurance costs are shown and editable, with sources.
- Reviewed and updated. Figures are rechecked when Freddie Mac, HUD, or the FHFA publish new data.
- No sign-up. Your numbers stay in your browser.
Estimates only. HomeAffordLab is not a lender and does not provide financial advice. Advertising Disclosure.