Household constraint check
Find the price your budget can actually carry.
Reverse-engineer a maximum home price from income, monthly debt, cash available, mortgage rate, property tax, insurance, PMI, and HOA. The calculator uses 28/36 debt-to-income guardrails as a planning ceiling.
Use this when
The question is not “can I buy,” but “what price survives my debt load?”Then compare the payment and rent-vs-buy tradeoff before choosing a city.Data Updated: March 2026
Gross incomeCapacityMonthly income sets the ceiling
Existing debtConstraintDebt reduces buying room
Cash availableDown paymentChanges loan size and PMI risk
DTI rules28 / 36Front-end and back-end guardrails
Run the limit
Change the household inputs that set the ceiling.
Start with income and existing debt, then test down payment, rate, taxes, insurance, and HOA. Treat the result as a conservative planning range, not a lender approval.
Your Financial Profile
Market Settings
Your Max Home Budget
$304,158
Permits a maximum monthly payment of $2,100
DTI Analysis (28/36 Rule)
Housing Ratio (Front-End)28.0%
Lender limit is exactly 28.0%
Total Debt Ratio (Back-End)34.7%
Lender limit is exactly 36.0% (Housing + Other Debts)
At this price point, you are paying:
Principal & Interest$1,543
Property Taxes$304
Insurance$100
PMI$153
Method logic
The 28/36 rule is a guardrail, not a lifestyle score.
The calculator applies the tighter of two DTI constraints, then solves backward for the highest home price that fits the monthly housing budget.
28% front-end ratio
Monthly housing costs are constrained against gross monthly income.
36% back-end ratio
Housing plus existing monthly debt sets the tighter household limit.
Reverse price search
The model solves for the highest price after taxes, insurance, PMI, and HOA.