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Find out how much house you can afford with NerdWallet’s Home Affordability Calculator. Just like a mortgage lender, we factor in your household income, down payment, monthly debts, and monthly.

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Calculate how much house you can afford with our home affordability calculator that factors in income, taxes and more to find the best mortgage for your budget and better understand how much house.

To determine how much house you can afford, use this home affordability calculator to get an estimate of the property price you can afford based upon your income and debt profile. Generally, lenders cap the maximum monthly housing allowance (including taxes and insurance) to lesser of Front End Ratio (28% usually) and Back End Ratio (36% usually).

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Once you know the home price you can afford, use our Mortgage Calculator to get an estimate of how much you could expect to pay monthly based on today’s rates. You can also use Rocket Mortgage to see what rate and monthly payment you’re approved for. Why do you need to know the ZIP code? We use the ZIP code to estimate taxes and insurance.

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