How much house can I afford?

Time to buy? This calculator can help you figure out your home price range. Fill in the fields below to calculate how much home you can afford.

$ Your annual income before taxes. For joint applicants this is your totalcombined annual income before taxes.
$ Your estimated, recurring monthly living expenses (besides the home loan) such as car payments and utilities, along with variable costs like groceries, clothes and other incidentals.
$ Annual expense for local property tax calculated as a percentage of the home price; percentages will vary from location to location.
$ Your estimated annual homeowner’s insurance amount for your new home.
% The current annual interest rate you can receive on your mortgage.
The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.


The amount of money going directly toward the purchase of the home that will not be financed.

You can afford a house up to:


Down Payment:

Loan payment:

Estimated Monthly Payment:
Principal & Interest:
Property Taxes:
Homeowner’s Insurance
Find a Loan Officer in Your Neighborhood

Results shown are estimates and are based on the accuracy and continued reliability of the data you input. Home-purchase affordability depends on various factors and is not guaranteed. Such factors may include credit score, the loan product chosen, lender guidelines, other financial obligations, changes in market conditions, and more. Alimony, child support, or separate maintenance income need not be revealed if the borrower or co-borrower does not choose to have it considered as a basis for repayment of this loan. Some results may be rounded. These calculations are provided for illustrative purposes only and do not reflect any closing costs. If mortgage insurance payment is listed, illustrative payment is based upon a conforming fixed loan for owner-occupied, one-unit dwelling for a borrower with a credit score greater than 760. This is not a credit decision or a commitment to lend. Please contact an experienced Mortgage Loan Officer at 1-888-KEY-0018 for more accurate and detailed information.