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Debt Scenario

How much house can I afford with NO debt?

Calculate max home price with zero debt. The power of being debt-free.

Your Finances

$
$
$

Max Home Price

$227,652

Based on a monthly budget of $1,750

Using the 28/36 Rule. Your debts reduce your buying power by roughly $0.

Max Rent Budget

$1,875/mo

Based on 30% of gross income rule.

Car Affordability

$32,625

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

Debt-to-Income Health

28.0% Ratio
Healthy (<36%)Stretch (<43%)High Risk (>43%)

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Financial Analysis

With zero debt, your borrowing power is maximized. On a $75k salary, you might qualify for the same loan as someone earning $90k who has car payments.

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 $75,000 income?

With a 75,000 annual income, lenders typically qualify you for a home price between $262,500 and $337,500, 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.