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Home Affordability Calculator: $70k Salary

See how much home you can buy with a $70,000 annual income.

Your Finances

$
$
$

Max Home Price

$213,808

Based on a monthly budget of $1,633

Using the 28/36 Rule. Your debts reduce your buying power by roughly $30,000.

Max Rent Budget

$1,750/mo

Based on 30% of gross income rule.

Car Affordability

$30,450

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

Debt-to-Income Health

33.1% Ratio
Healthy (<36%)Stretch (<43%)High Risk (>43%)

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Financial Analysis

At $70k income, lenders typically allow ~$1,630/month in housing expenses. Your borrowing range often falls between $200k–$230k depending on taxes and insurance.

Compare Other Income Levels

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Common Questions

How much house can I afford with $70,000 income?

With a 70,000 annual income, lenders typically qualify you for a home price between $245,000 and $315,000, 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.