Home affordability

How much house a salary supports — the 28/36 rule applied to income, debts, down payment, and loan terms.

The 28/36 rule: housing ≤ 28 % of gross income, all debts ≤ 36 %. Estimate the price and loan that fits.

A guideline, not approval — lenders weigh taxes, insurance, HOA and your market's rules differently.

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How to use

  1. Enter annual income and monthly debts.
  2. Enter down payment, rate, term, and tax/insurance.
  3. Read the max home price and monthly breakdown.

What it supports

US-style 28/36 % debt-to-income caps; income up to 1e9, rates 0–30 %, terms 1–50 years. A screening estimate only — lenders weigh credit score, PMI, and local taxes.

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