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Dual Income $200k Home Buying Power

Calculate mortgage affordability for couples earning $200,000 combined.

Your Finances

$
$
$

Max Home Price

$613,738

Based on a monthly budget of $4,667

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

Max Rent Budget

$5,000/mo

Based on 30% of gross income rule.

Car Affordability

$87,000

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

Debt-to-Income Health

32.8% Ratio
Healthy (<36%)Stretch (<43%)High Risk (>43%)

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Financial Analysis

A $200k combined income can comfortably support housing payments above $4,500/month, potentially allowing $700k+ home purchases.

Compare Other Income Levels

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Common Questions

How much house can I afford with $200,000 income?

With a 200,000 annual income, lenders typically qualify you for a home price between $700,000 and $900,000, 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.