Home Affordability Calculator with Student Loans
Can you buy a house with student debt? Calculate your DTI ratio accurately.
Your Finances
Max Home Price
Based on a monthly budget of $1,900
Max Rent Budget
Based on 30% of gross income rule.
Car Affordability
Using the 20/4/10 rule (Conservative).
Debt-to-Income Health
36.0% RatioCanada and Australia figures use regulator rules verified as of August 2026 (OSFI stress test floor; APRA serviceability buffer). These change periodically — confirm current rates with a licensed lender before making a decision.
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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
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.
Estimates last reviewed June 2026. Not financial advice — consult a lender for a formal pre-approval.