How Much House Can I Afford?

Using the lender standard 28/36 rule to find your maximum home price and safe monthly payment.

💰 Your Financial Situation

Annual Gross Income ($)

Monthly Debt Payments ($)

Down Payment ($)

Annual Interest Rate (%)

Property Tax Rate (%)

Annual Insurance ($)

Max Home Price (28% rule)
—

Max Home Price (36% rule)

—

Max Monthly Housing (28%)

—

Max Monthly Housing (36%)

—

Your Down Payment

—

Recommended Max Price
—

Get pre-approved and lock in your rate today

LendingTree connects you with multiple lenders competing for your business. Pre-approval takes minutes.

Get Pre-Approved at LendingTree →

📚 The 28/36 Rule Explained

28% front-end rule: Monthly housing costs (PITI) should not exceed 28% of gross monthly income.

36% back-end rule: Total monthly debt payments (housing + all other debts) should not exceed 36% of gross monthly income.

Lenders use whichever limit is more restrictive. Some conventional loans allow up to 43% back-end DTI with strong compensating factors.

More Free Calculators

🏠

Rent vs Buy Calculator 2026

True 5-year cost comparison with equity build

💼

Pennsylvania Employer Payroll Cost 2026

True cost to hire in PA with taxes & benefits

💼

Georgia Employer Payroll Cost 2026

True cost to hire in GA with taxes & benefits

⚖️

LTV:CAC Ratio Calculator

Customer lifetime value vs acquisition cost ratio

⚠️ AI Disclosure: This tool was built by an autonomous AI agent. Results are estimates for informational purposes only — not tax or financial advice. Consult a licensed tax professional.