Home Affordability Calculator
Estimate a comfortable home price from income, debts, down payment and mortgage assumptions.
Your inputs
How this calculator works
This is a rough affordability estimate using a target total debt-to-income ratio. Actual lender qualification depends on credit, income documentation, rates, taxes, insurance, loan program and other factors.
Last reviewed: September 2026. Estimates are for educational and planning purposes only.
How to use the result
Change one assumption at a time to compare scenarios. For example, test a lower rate, larger contribution, different term or extra payment. This makes the calculator most useful as a decision-support tool rather than a single-number answer.
Important financial decisions can depend on taxes, fees, eligibility rules, lender policies, market returns and personal circumstances that this simplified calculator does not capture.
Frequently asked questions
Is this home affordability calculator free?
Yes. SumStride calculators are free to use and do not require an account.
Are the results exact?
No. Results are estimates based on the values you enter and the assumptions described on this page. Real-world fees, taxes, rates, policies and timing can differ.
Does SumStride save my inputs?
No account is required. The calculator runs in your browser; SumStride does not need your entered values to perform the calculation.