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.