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28/36 Rule Mortgage Calculator

Calculate home affordability using the standard 28% front-end and 36% back-end DTI rule.

Your Finances

$
$
$

Max Home Price

$306,869

Based on a monthly budget of $2,333

Using the 28/36 Rule. Your debts reduce your buying power by roughly $50,000.

Max Rent Budget

$2,500/mo

Based on 30% of gross income rule.

Car Affordability

$43,500

Using the 20/4/10 rule (Conservative).

Debt-to-Income Health

34.0% Ratio
Healthy (<36%)Stretch (<43%)High Risk (>43%)

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Financial Analysis

The 28/36 rule limits housing costs to 28% of gross income and total debt to 36%. This tool applies that logic to estimate your safe price range.

Compare Other Income Levels

$50k salary?$80kk$100k salary?$150kk Mortgage AffordabilityHome Affordability on $200k Income$60k salary?$70kk$120k salary?Luxury Home Affordability on $250kkDual Income $120k Mortgage AffordabilityDual Income $200k Home Buying Power

Common Questions

How much house can I afford with $100,000 income?

With a 100,000 annual income, lenders typically qualify you for a home price between $350,000 and $450,000, assuming you have low existing debt.

What is the 28/36 rule?

The 28/36 rule states that you should spend no more than 28% of your gross monthly income on housing costs (mortgage, tax, insurance) and no more than 36% on total debt (including cars and student loans).

Does this calculator include property taxes?

Yes, our affordability engine automatically estimates property taxes and insurance to give you a realistic 'PITI' budget, not just a raw loan amount.