Home Affordability Calculator
See what house you can actually afford — factor in income, debts, down payment, and PMI.
US median household income: ~$75,000
$0$1,500$3,000
$0$100k$200k
3%6.5% (avg)10%
0.5% (AL)1.2% (US avg)3% (NJ)
What You Can Afford
Max Home Price
$256,221
Max Monthly (PITI)
$1,723/mo
Principal & Interest
$1,367/mo
Tax + Insurance
$356/mo
Based on 28% front-end DTI ratio. Actual approval depends on credit score, total DTI, and lender requirements. Always get pre-approved before house hunting.