Max affordable home price based on income, debts & DTI rule (28/36)
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Max affordable home price based on income, debts & DTI rule (28/36). The House Affordability is designed to help individuals, investors, and finance professionals with financial planning, budgeting, and investment decisions.
Instead of complex manual computation, you can use this tool to get instant, accurate results. Simply enter your values to see a step-by-step breakdown of how the answer was reached.
This utility works directly in your browser without any sign-ups or downloads.
Max Home Price = (Monthly Income × 0.28) × 12 / Annual Rate factor
DTI Rule: Total debts ≤ 36% of gross income
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⚠️ Financial Disclaimer: Results are estimates based on the inputs you provide and standard mathematical formulas. They do not constitute financial advice. Please consult a certified financial advisor, accountant, or tax professional before making any investment, loan, or financial decisions.
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Banks use the 28/36 rule: housing costs ≤ 28% of gross income (front-end), total debt ≤ 36% (back-end). Some lenders allow up to 43% DTI. This calculator gives you the maximum — but buy at 80–90% of the max to keep financial breathing room.