Free Calculator

How much house could I
reasonably afford?

Based on the 25% rule — keeping total housing costs at or below 25% of your gross monthly income — here's where you stand.

Your Numbers
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$
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30-year fixed. Adjust to your quoted or estimated rate.
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⚠️ The 25% rule exists for good reason — it protects your ability to save, invest, and weather life's surprises. Increasing this number means less margin. Adjust only if you've carefully considered the trade-offs.
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Combined property tax + homeowners insurance as % of home value per year. Varies widely by location.
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Have a specific home in mind? Enter the price to see the gap and what it would take to get there.
Your Results
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Enter your gross monthly income on the left to see your buying power.

Disclaimer: This calculator is for educational and illustrative purposes only and should not be treated as financial, mortgage, or legal advice. All results are estimates based on the inputs provided. Interest rates shown are approximate national averages and are subject to daily market changes — your actual rate will depend on your credit score, lender, loan type, and other factors. Property tax and insurance figures are national averages and vary significantly by state, county, and home value. The 25% guideline is a general rule of thumb and may not reflect your full financial picture. Always consult with a licensed mortgage professional and a qualified financial advisor before making any home purchase decisions.
Next Step

Numbers are one thing. A plan is another.

A calculator can show you what's possible — a coach helps you actually get there. Book a free 30-minute huddle and let's talk through your homebuying game plan.

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