Home affordability calculator
A year, before taxes.
A month: car, student loans, cards.
Cash you'll put down.
7.4% was the average on October 15, 2026.
Taxes, insurance and HOA
% of home value a year. US average is about 0.9%.
% of home value a year.
A month.
You can afford about
$309,000
At 7.4% on a 30-year loan with $40,000 down, a monthly payment of $2,333 keeps housing within 28% of income.
- Principal and interest
- $1,861
- Property tax
- $232
- Home insurance
- $129
- Mortgage insurance
- $112
- Total a month
- $2,333
- If rates fall to 6.4%
- $332,000
- $23,000 more house
- If rates rise to 8.4%
- $289,000
- $20,000 less house
- At a year-ago rate (6.27%)
- $335,000
- 30-year average, October 16, 2025
- At the 2021 low (2.65%)
- $447,000
- Record-low 30-year average
Rate-by-rate table
| Rate | Home you can afford |
|---|---|
| 3% | $434,000 |
| 3.5% | $416,000 |
| 4% | $400,000 |
| 4.5% | $384,000 |
| 5% | $369,000 |
| 5.5% | $355,000 |
| 6% | $342,000 |
| 6.5% | $329,000 |
| 7% | $318,000 |
| 7.5% | $307,000 |
| 8% | $296,000 |
| 8.5% | $287,000 |
| 9% | $277,000 |
| 9.5% | $269,000 |
| 10% | $261,000 |
Home affordability calculator by Points Frog ↗ · An educational estimate, not financial advice.