Home Affordability Calculator USA 2026
Find out how much house you can afford in the USA in 2026 based on income, monthly debts, down payment and current mortgage rates using the 28/36 rule.
Project details
All prices in USD $ · 2026 USA averages.
Estimated cost
Max home you can afford
$478,956
Range: $407,112 – $502,903
Based on $120,000 income, $500/mo debts in TX
Cost breakdown
| Monthly gross income | $10,000 |
| Max monthly housing (36% DTI) | $3,100 |
| Max loan amount | $418,956 |
| Down payment | $60,000 |
| Estimated monthly P&I | $2,731.28 |
| Estimated monthly tax | $718.43 |
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Compare 3 vetted USA lenders. Free, no obligation, no impact on credit.
Disclaimer: Rates as of 2026. Estimates use 2026 USA average mortgage rates, state property tax and insurance data. Actual rates, fees and payments depend on lender, credit score, loan program and property. Consult a licensed loan officer before locking a rate.
Frequently asked questions
What is the 28/36 rule?
Housing should be under 28% of gross monthly income; total debt under 36%. Lenders use this to qualify borrowers.
How much down payment do I need?
Conventional loans: 3–20%. FHA: 3.5%. VA/USDA: 0%. Under 20% requires PMI in most cases.
Does credit score affect affordability?
Yes. A 760+ score can lower your rate by 0.5–1.0%, letting you afford 8–15% more house.