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Home Affordability Calculator

How much house can you afford? Free calculator based on the 28/36 rule. Get your max home price, loan amount, and monthly payment in seconds.

Formula

Max Payment = Income × 28% (front-end) or 36% - other debts (back-end)

Example

$100k income, $40k down, 7% rate → $389,000 max home price

Try the API

Get instant JSON results — perfect for embedding in your app or workflow.

GET https://leadhunting.app/api/tools/affordability-calculator

Frequently Asked Questions

How much house can I afford on $100k salary?

Using the 28/36 rule at 7% interest, you can typically afford a home priced at $300,000-$400,000 with a 20% down payment.

What is the 28/36 rule?

A guideline that your housing payment should not exceed 28% of gross monthly income, and total debt payments should not exceed 36%.

Should I use gross or net income for affordability?

Lenders use gross income, but for personal budgeting, consider your net (after-tax) income to ensure affordability.

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