House Budget Calculator
Calculate your maximum home buying budget based on income, debt, down payment, and current interest rates.
Part of our Finance Calculators collection.
House Budget Calculator
Free online calculator
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How to Use This Calculator
- 1
Enter all required values.
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See results instantly.
- 3
Adjust inputs to compare scenarios.
How This is Calculated
28/36 Rule: Max housing = 28% × monthly income Max housing with debts = 36% × income − existing debts Max loan = solve mortgage formula for principal
Example Calculation
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Inputs
Result
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Results appear instantly as you enter values.
Frequently Asked Questions
How accurate is this calculator?
These are estimates. Actual figures depend on lender requirements, your credit score, and local conditions. Consult a mortgage professional for exact numbers.
Should I get pre-approved?
Yes — getting pre-approved before house hunting shows sellers you're serious and gives you a realistic budget.