House Affordability Calculator
See how much house you can afford with the 28/36 rule, from income, debts and down payment.
The 28/36 rule caps housing at 28% of gross monthly income and all debt at 36%. Lenders vary — some allow up to 43–50% DTI, but staying near 28/36 keeps payments comfortable.
DISCLAIMER: This calculator provides estimates for general informational and educational purposes only and is not financial, investment, tax, or legal advice. Results are approximate and may not reflect your actual situation, fees, taxes, or current rates. Consult a qualified professional before making financial decisions.
What Is the House Affordability Calculator?
The House Affordability Calculator is a free online tool that lets you see how much house you can afford with the 28/36 rule, from income, debts and down payment. It runs entirely in your browser — your text and files never leave your device, so it's fast and private. There's nothing to install and no sign-up required.
How It Works
Using the House Affordability Calculator takes seconds. Paste or type your content into the input area (or upload a file where supported), adjust any options to fit your needs, and the result updates instantly. You can then copy the output to your clipboard, download it, or clear everything and start again. Because all processing happens locally with JavaScript, it works offline once the page has loaded.
When to Use It
Reach for the House Affordability Calculator whenever you need a quick, reliable way to see how much house you can afford with the 28/36 rule, from income, debts and down payment. It's popular with writers, students, developers, marketers and anyone who works with calculators day to day. Bookmark it alongside the other Calculators in our toolbox so it's always one click away.
Frequently Asked Questions
- Is the House Affordability Calculator free to use?
- Yes. Every tool on the site is completely free, with no account, login or download required.
- Is my data private?
- Absolutely. The House Affordability Calculator processes everything locally in your browser. Your text and files are never uploaded to a server, so your data stays on your device.
- Does it work on mobile?
- Yes. The House Affordability Calculator is fully responsive and works on phones, tablets and desktops in any modern browser.
- Do I need to install anything?
- No installation is needed — it runs in the browser. We also offer an optional browser extension and mobile app for quick access to popular conversions.
Last reviewed: 2026-06-27