Home affordability · 2026
How much house can you afford?
Most calculators forget property tax, insurance and PMI — which is why the number they give you doesn't survive contact with a lender. This includes all of it, with your state's actual property tax rate.
Your situation2026
$
$
$
You could afford a home up to
$0purchase price
$0total monthly payment
Principal & interest$0
Property tax$0
Home insurance$0
PMI$0
Loan amount$0
Down payment0%
What's limiting you
A guide, not a pre-approval. Lenders assess credit score, employment history, reserves and the specific property. Property tax rates vary hugely within a state, and HOA fees aren't included.