Buying power

What home price fits your real monthly budget?

Work backward from a payment you are comfortable with—or use income and debts for a broader planning range. Taxes, insurance, mortgage insurance, and HOA are included.

Default 30-year rate: 7.28% · As of 2026-10-01 · Freddie Mac PMMS

Your comfortable housing payment

Use the total monthly amount you would be comfortable paying—not the maximum someone might approve.

Total monthly housing budget Includes principal, interest, taxes, insurance, estimated PMI, and HOA.

Loan and property assumptions

Down payment (%)

Mortgage rate

Loan term

Property taxes (%/year)

Homeowners insurance (annual)

HOA dues (monthly)

Estimated mortgage insurance (% of loan/year) Applied only when the down payment is below 20%. Actual mortgage-insurance pricing varies.

Change income-method ratios

Housing ratio (%)

Total debt ratio (%)

What home price fits your real monthly budget?

Your comfortable housing payment

Your income and monthly debts

Loan and property assumptions