Can I afford this listing?
Standing in the house? Put in the asking price and where it is — you get the monthly payment, the income it takes to qualify, and the cash to close, straight away.
Estimated monthly cost
$4,540/mo
$765,000 · 20% down · 6.65% benchmark rate · 30-yr
- Principal & interest
- $3,929/mo
- Property tax
- $478/mo
- Home insuranceregional average — your quote varies
- $133/mo
Cash to buy
$170,765
- Down payment (20%)
- $153,000
- Closing costsexcludes transfer tax — varies by locality
- $17,765
Income to qualify
$194,571/yr
For this listing at the standard 28% debt-to-income guideline, before any other debts. The typical California household earns $100,600 — so this one likely needs two incomes.
How these numbers are worked out
Principal and interest come from the standard amortization formula at a labelled benchmark rate — a comparison rate, not a quote you've been offered. Property tax uses the region's effective rate and insurance uses the survey average annual premium, the same figures behind our region pages and open dataset.
Income to qualify applies the standard 28% debt-to-income guideline to this listing's monthly cost, before any car loans or other debts — a lender will also weigh those. We show it for US states, where we hold verified income data; Canada qualifies on GDS/TDS ratios plus the federal stress test and the UK on income multiples, so we don't estimate those rather than mislead you.
Closing costs come from the same model as our closing cost calculator. Anything that genuinely varies — US transfer tax by locality, Canada's land transfer tax, which we don't yet calculate — is excluded and labelled rather than guessed. Full detail in our methodology.
Nothing you enter here is saved or sent anywhere — it stays in your browser.