Home Affordability Calculator (USA) — Smooth Gauge

Home Affordability Calculator

USA-style, slightly conservative (28/36 rule). Clear Max Price, PITI breakdown, and a smooth DTI gauge.

Inputs

Income = gross annual. Debts are monthly minimums. Property tax as % of price/year; insurance as $/year.

Annual Income ($)

Monthly Debts ($/mo)

Down Payment ($)

Interest Rate (APR %)

Loan Term (years)

Property Tax (%/yr of price)

Home Insurance ($/yr)

HOA ($/mo)

Maximum affordable price and detailed PITI breakdown. Gauge shows your total DTI zone.

Maximum Affordable Home Price

—

Based on income, debts, rate, taxes, insurance, and down.

Estimated Monthly PITI

—

Principal & Interest + Taxes + Insurance (+ HOA)

Principal + Interest

Loan: —

Property Taxes

—

Home Insurance

—

HOA

Added to monthly payment

Healthy ≤ 36% Caution 36–43% High-Risk > 43%