Uses the trusted 28/36 rule — plus your real property taxes, insurance, PMI and HOA — to show a Safe, Stretch and Maximum home price. Updates as you type.
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Lenders and financial planners use two DTI ratios: housing shouldn't exceed 28% of gross monthly income, and total debt shouldn't exceed 36%. We show three tiers — Safe, Stretch and Maximum — so you can see where you're comfortable.
Your monthly payment isn't just principal & interest — it also includes property tax, home insurance, PMI (if you put less than 20% down), and HOA. We include all of them and search for the maximum home price that still fits your budget.
Everything updates as you type. No form to submit, no signup. We save your core numbers on your device only so future tools on this site can pre-fill them.
The 1% rule says to budget 1% of your home's value per year for maintenance. On a $350,000 home that's $3,500/year. Here's what that covers and when to budget more.
Read guideYour mortgage payment is just the start. Property tax, insurance, maintenance, repairs, and utilities can add $800–$1,200 per month on top. Here are the real costs of homeownership.
Read guideThe 28/36 rule is how lenders decide your mortgage limit. Learn what front-end and back-end DTI mean, what counts as debt, and how to calculate your own number.
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