Logo
All Finance Tools
Debt Scenario

Home Affordability Calculator with Student Loans

Can you buy a house with student debt? Calculate your DTI ratio accurately.

Your Finances

$
$
$

Max Home Price

$240,450

Based on a monthly budget of $1,900

Using the 28/36 Rule. Your debts reduce your buying power by roughly $80,000.

Max Rent Budget

$2,250/mo

Based on 30% of gross income rule.

Car Affordability

$39,150

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

Debt-to-Income Health

36.0% Ratio
Healthy (<36%)Stretch (<43%)High Risk (>43%)

Add this calculator to your website

Want to use this tool on your blog or website? Copy the code below.

Financial Analysis

Student loans count heavily against your 'Back-End DTI'. Even if you earn $90k, an $800 student loan payment reduces your home buying power by roughly $100,000.

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 $90,000 income?

With a 90,000 annual income, lenders typically qualify you for a home price between $315,000 and $405,000, 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.