How much house can I afford?

Start from your budget. Enter what you have in cash and what you can spend per month, and we'll show the max home price you can afford on a traditional 30-year loan.

Cash for down payment

~2% more for closing costs, though buyers can often negotiate the seller to pay them.

Monthly payment I can afford

$/mo

All-in monthly cost — principal, interest, property tax, and insurance.

Interest rate (today's 30yr)

Today's market rate. Rate buydowns and seller financing can clear well below.

Max home price

$369,356

With $50,000 down (13.5%), financing $319,356 at 6.65% for 30 years.

Principal + interest

$2,050/mo

Property tax

$339/mo

Insurance

$108/mo

Total monthly

$2,496/mo

See homes at this budget

What if rates were different?

5.65%

$398,709

+$29,353

6.65%

Your rate

$369,356

7.65%

$343,513

$-25,843

Same cash + same monthly budget, different rate. A 1% rate move typically shifts affordability by ~10%.

Save this analysis

Come back to it any time from your profile, or email yourself a copy. Requires a free account.

Estimates only. Actual affordability depends on credit, debt-to-income, and lender guidelines. Property tax and insurance are Utah-typical averages (1.1% and 0.35% of price, annually).

How much house can I afford?

Start from your budget. Enter what you have in cash and what you can spend per month, and we'll show the max home price you can afford on a traditional 30-year loan.

Cash for down payment

~2% more for closing costs, though buyers can often negotiate the seller to pay them.

Monthly payment I can afford

$/mo

All-in monthly cost — principal, interest, property tax, and insurance.

Interest rate (today's 30yr)

Today's market rate. Rate buydowns and seller financing can clear well below.

Max home price

$369,356

With $50,000 down (13.5%), financing $319,356 at 6.65% for 30 years.

Principal + interest

$2,050/mo

Property tax

$339/mo

Insurance

$108/mo

Total monthly

$2,496/mo

See homes at this budget

What if rates were different?

5.65%

$398,709

+$29,353

6.65%

Your rate

$369,356

7.65%

$343,513

$-25,843

Same cash + same monthly budget, different rate. A 1% rate move typically shifts affordability by ~10%.

Save this analysis

Come back to it any time from your profile, or email yourself a copy. Requires a free account.

Estimates only. Actual affordability depends on credit, debt-to-income, and lender guidelines. Property tax and insurance are Utah-typical averages (1.1% and 0.35% of price, annually).