Free Financial Calculator

Free House Affordability Calculator - How Much Home Can You Afford in 2025?

Our free house affordability calculator for 2025 helps you determine exactly how much home you can afford based on your income, existing debts, and down payment. Using the industry-standard 28/36 debt-to-income ratio rule, we calculate your maximum home price while ensuring your monthly payments remain comfortable. This calculator factors in all costs including principal, interest, property taxes, homeowners insurance, HOA fees, and PMI to give you a realistic home buying budget. Whether you're a first-time buyer or looking to upgrade, get an accurate estimate of your home buying power in seconds.

Calculate Your Numbers

Fill in the fields below to get instant results

Your total income before taxes
Car loans, credit cards, student loans, etc.
%

Your Results

Maximum Home Price
$302,130
Loan Amount
$252,130
Monthly Payment
$3,245
Principal & Interest
$1,594
Property Tax
$302
Home Insurance
$88
PMI
$1,261
Front-End Ratio
28.01%
Back-End Ratio
35.07%
Down Payment
16.55%

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