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How much house can I afford?

A comfortable home price from your income, debts and savings, using the 28/36 guideline, plus a more cautious version.

How we work it out

We find the largest monthly housing cost that keeps housing under 28% of gross monthly income and all debts under 36%, take the lower of the two, and work back to a price using your rate, a 30-year term, property tax, insurance and your down payment. The cautious figure uses 25% and 33% instead. Lenders may approve more. Read how much house can I afford?