Household constraint check
Find the price your budget can actually carry.
Build a planning ceiling from income, debt, cash, mortgage rate, taxes, insurance, PMI, and HOA using editable 28/36 guardrails.
Set my affordability rangeUse this when
Find the price that survives your existing debt load.Then compare the payment and rent-vs-buy tradeoff before choosing a city.Source dates vary by dataset
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
Committed mortgage benchmark: 6.11% 30-year fixed, MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey via FRED, U.S., as of 2026-03-12. National survey averages; not a local quote, APR, approval, or forecast.
Property-tax assumption: 1.2% entered for this scenario. Use a local estimate when available; this is not a parcel or individual tax-bill calculation.
Estimated Planning Ceiling
$312,229
Permits a maximum monthly payment of $2,100
An estimate, not a quote, guarantee, prediction, tax filing result, or lender decision.
DTI Analysis (28/36 Rule)
Housing Ratio (Front-End)28.0%
Planning guardrail: 28.0%; actual underwriting varies.
Total Debt Ratio (Back-End)34.7%
Planning guardrail: 36.0% for housing plus other debts.
At this price point, you are paying:
Principal & Interest$1,530
Property Taxes$312
Insurance$100
PMI$158
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.