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How much house can I afford?
See a comfortable price range from your income, debts and down payment.
Comfortable price rangeExample
Up to $287,084
About $2,100 a month for housing, using the 28% / 36% guideline.
- Loan amount
- $247,084
- Principal and interest
- $1,711
Stretch: up to $367,655
If all your debts, the new mortgage included, came to 43% of income. Some lenders go that high, but it leaves less room for savings and surprises.
- Starts at the latest national average 30-year rate from Freddie Mac Primary Mortgage Market Survey, week of 2026-10-08. Your rate will differ.
- Uses the common 28% / 36% guideline: housing under 28% of gross income and all debts under 36%.
- Lenders set their own limits. A comfortable payment for your budget may be lower than what you'd be approved for.
- Estimates only, for planning. This isn't an offer of credit or advice about your situation.
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