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You can afford about

Total$330,334
Max monthly housing budget (28%)
$2,100
Estimated insurance
Data not available
Estimated property tax
Data not available
Loan amount
$264,267
You can afford about
$330,334

Uses a 28% front-end ratio on gross income, plus state property tax and insurance averages.

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Sources and methodology

Federal brackets, standard deductions and FICA thresholds come from the IRS and the Social Security Administration for the 2026 tax year. State income tax rates, brackets, standard deductions and personal exemptions come from the Tax Foundation’s 2026 state individual income tax data. Property tax figures use average effective county rates. Results are educational estimates and exclude local taxes, credits and post-tax deductions.