Resources · Home buying

Mortgage Affordability Calculator

See roughly how much home your income supports at today’s mortgage rates. The interest rate is pre-filled with the latest national weekly average — replace it with a lender quote if you have one.

Your income & debts

Use gross (before-tax) income for everyone on the loan.

Loan

Rates change weekly. Your actual rate depends on credit score, points, and loan type.

Loading current rate…

Ongoing costs

Defaults are rough Washington estimates — adjust for the home you’re considering.

You may be able to afford a home up to

$0

Enter your income to see your estimate.

Talk to us before you buy

This calculator provides a general estimate for planning purposes only and is not a loan offer, pre-approval, or financial advice. Lenders set their own limits based on credit, assets, loan program, and other factors. Closing costs (often 2–5% of the price) and cash reserves are not included. The default rate is the Freddie Mac Primary Mortgage Market Survey weekly national average for borrowers with strong credit and about 20% down; your quoted rate may differ. Information you enter stays in your browser and is not saved or sent to us.