Mortgage Affordability by Income Calculator
Quickly estimate maximum mortgage and home price based on annual income using standard lender guidelines.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Max Price = Annual Income × Multiple; Max Payment = Monthly Income × 28%
Quick rule-of-thumb affordability estimates. Actual qualification depends on DTI, credit score, and rates.
Frequently Asked Questions
Is the 3x income rule still valid?
In today's high-rate environment, 3x is conservative but safe. Many buyers stretch to 4-5x but face tighter budgets.