Calculator
Home affordability
Backs into a purchase price from gross income, existing debts, down payment, and the desk 30-year rate. Uses the common 28% housing / 36% total-debt screens.
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Estimated purchase price
$310,060
At 7.40% for 30 years
Housing budget / mo
$1,954
Loan amount
$228,060
Median sales price of houses sold: $410,700 (Q2 2026, U.S. Census Bureau/HUD).
Common questions
- How much house can I afford on my salary?
- Lenders often cap housing costs near 28% of gross income and all debts near 36%. This tool takes the tighter of those two and solves for price, including tax, insurance, and PMI when you put less than 20% down.
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