Free · 2026

How Much House
Can You Afford?

Enter your salary and ZIP code. Get the exact home price you can safely afford based on your real take-home pay, local property taxes, and 2026 mortgage rates.

📍 ZIP-Based Property Tax 💰 Salary → Take-Home Link 🏦 2026 Mortgage Rates 📊 3 Budget Scenarios 🌎 English & Español
💼 Your Income & Debts
🏦 Loan Details
20% — $40,000
3%10%20%30%
✅ Your Home Buying Power
🏡
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📊 Your 3 Budget Scenarios
Monthly Payment Breakdown
📏 Debt-to-Income Ratio (DTI)
Safe (<28%) Stretching (28–36%) Too Much (>36%)

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📈 2026 Mortgage Rates
30-yr Fixed (Conv.)~6.85%
15-yr Fixed (Conv.)~6.10%
FHA 30-yr~6.50%
VA 30-yr~6.20%
Avg US Home Price~$420,000
PMI Rate (if <20% down)0.5–1.5%
💡 The 28/36 Rule

No more than 28% of your gross monthly income should go to housing. No more than 36% to ALL debt combined. These are the two numbers lenders use to approve or deny your mortgage.

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