What's a safe debt-to-income ratio?

Most lenders cap total debt at 36–43% of gross income. A conservative target is 28% for housing alone, leaving room for life expenses.

Does this include taxes and insurance?

No — the max payment is principal + interest only. Subtract estimated property tax, insurance, and HOA from your housing budget for a more accurate ceiling.

Should I borrow the maximum?

Rarely. The 'max' is what a lender allows, not what's comfortable. Many people aim 10–20% below their cap to keep flexibility.

How Much House Can You Afford?

A realistic affordability check based on your income, monthly debts, deposit, and target housing-to-income ratio.

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Currency

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Gross annual incomeMonthly debt paymentsCredit cards, car loans, student loans.Deposit / down payment

Mortgage rate (%)Term (years)

Target DTI (%)Lenders typically cap total debt-to-income at 36–43%.

Max purchase price

$392,244

Based on a max housing payment of $2,000/month.

Max loan you can carry

$352,244

Monthly housing budget

$2,000

Gross monthly income

$6,667

DTI used

36%

This figure excludes property tax, insurance, and HOA. Subtract those from your housing budget for a tighter estimate.

Results are estimates for informational purposes only. Not financial advice.

How to use this calculator

1Enter your gross annual income and monthly debt payments.
2Add your deposit, expected mortgage rate, and term.
3Pick a target debt-to-income ratio (28–36% is conservative).
4Read your max purchase price and monthly housing budget.

Results are estimates for informational purposes only.

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How Much House Can You Afford?

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FAQ

What's a safe debt-to-income ratio?

Does this include taxes and insurance?

Should I borrow the maximum?

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