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

$368,806

With $50,000 down (13.6%), financing $318,806 at 6.67% for 30 years.

Principal + interest

$2,051/mo

Property tax

$338/mo

Insurance

$108/mo

Total monthly

$2,496/mo

See homes at this budget

What if rates were different?

5.67%

$398,085

+$29,279

6.67%

Your rate

$368,806

7.67%

$343,029

$-25,777

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

$368,806

With $50,000 down (13.6%), financing $318,806 at 6.67% for 30 years.

Principal + interest

$2,051/mo

Property tax

$338/mo

Insurance

$108/mo

Total monthly

$2,496/mo

See homes at this budget

What if rates were different?

5.67%

$398,085

+$29,279

6.67%

Your rate

$368,806

7.67%

$343,029

$-25,777

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).