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Debt Scenario

Debt-to-Income Ratio Mortgage Calculator

See how your DTI ratio affects mortgage approval and home buying power.

Your Finances

$
$
$

Max Home Price

$280,115

Based on a monthly budget of $2,150

Using the 28/36 Rule. Your debts reduce your buying power by roughly $70,000.

Max Rent Budget

$2,375/mo

Based on 30% of gross income rule.

Car Affordability

$41,325

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

Debt-to-Income Health

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

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Financial Analysis

A DTI above 43% significantly reduces approval odds. This calculator shows how debt payments shrink your borrowing capacity.

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 $95,000 income?

With a 95,000 annual income, lenders typically qualify you for a home price between $332,500 and $427,500, 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.