The Mortgage Ledger

United States

US affordability calculator

How much home you can afford, using the debt-to-income rule, your income and debts, and live US rates.

Your finances

Car loans, student loans, credit-card minimums, etc.

You could afford

California, United States · up to 36% of income on housing

$528,354

estimated maximum home price

Monthly housing budget
$3,200.00
Down payment (20%)
$105,671
Loan amount
$422,683
Principal & interest
$2,671.65
Property tax + insurance
$528.35
Open this in the full calculator →

An estimate to help you plan — not financial advice or a loan offer. A guideline based on the 36% debt-to-income rule — lenders also weigh credit, employment, and reserves. Tax and insurance are estimated regional averages.

Phase 1 preview of the new country-first structure — not yet indexed. The live site is running unchanged.