How Much House Can I Afford on a $90,000 Salary?
With a $90,000 annual salary, here's how much home you can afford using the 28/36 rule, and what your monthly payment would look like.
$324,000
Max Home (20% down)
$275,000
Max Home (10% down)
$2,100
Max Monthly PITI (28%)
$2,700
Max Total Debt (36%)
$2,097.32
? Monthly payment PITI with taxes & insurance included
$1,048.66
? Bi-weekly payment PITI if paid every other week
March 2056
December 2052
$330,595.31
$263,643.98
$324
$135
| Payment | Interest | Principal | Balance |
|---|
| April 2026 | $1,404 | $234 | $258,966 |
| May 2026 | $1,403 | $236 | $258,730 |
| June 2026 | $1,401 | $237 | $258,493 |
| July 2026 | $1,400 | $238 | $258,255 |
| August 2026 | $1,399 | $239 | $258,016 |
| September 2026 | $1,398 | $241 | $257,775 |
| October 2026 | $1,396 | $242 | $257,533 |
| November 2026 | $1,395 | $243 | $257,290 |
| December 2026 | $1,394 | $245 | $257,045 |
| 2026 | $13,982 | $2,401 | $256,799 |
| January 2027 | $1,392 | $246 | $256,799 |
| February 2027 | $1,391 | $247 | $256,552 |
| March 2027 | $1,390 | $249 | $256,303 |
| April 2027 | $1,388 | $250 | $256,053 |
| May 2027 | $1,387 | $251 | $255,801 |
| June 2027 | $1,386 | $253 | $255,549 |
| July 2027 | $1,384 | $254 | $255,295 |
| August 2027 | $1,383 | $255 | $255,039 |
| September 2027 | $1,381 | $257 | $254,782 |
| October 2027 | $1,380 | $258 | $254,524 |
| November 2027 | $1,379 | $260 | $254,264 |
| December 2027 | $1,377 | $261 | $254,003 |
| 2027 | $16,602 | $3,058 | $253,741 |
| January 2028 | $1,376 | $262 | $253,741 |
| February 2028 | $1,374 | $264 | $253,477 |
| March 2028 | $1,373 | $265 | $253,212 |
| April 2028 | $1,372 | $267 | $252,945 |
| May 2028 | $1,370 | $268 | $252,677 |
| June 2028 | $1,369 | $270 | $252,407 |
| July 2028 | $1,367 | $271 | $252,136 |
| August 2028 | $1,366 | $273 | $251,863 |
| September 2028 | $1,364 | $274 | $251,589 |
| October 2028 | $1,363 | $276 | $251,314 |
| November 2028 | $1,361 | $277 | $251,037 |
| December 2028 | $1,360 | $279 | $250,758 |
| 2028 | $16,397 | $3,263 | $250,478 |
| January 2029 | $1,358 | $280 | $250,478 |
| February 2029 | $1,357 | $282 | $250,197 |
| March 2029 | $1,355 | $283 | $249,913 |
| April 2029 | $1,354 | $285 | $249,629 |
| May 2029 | $1,352 | $286 | $249,343 |
| June 2029 | $1,351 | $288 | $249,055 |
| July 2029 | $1,349 | $289 | $248,766 |
| August 2029 | $1,347 | $291 | $248,475 |
| September 2029 | $1,346 | $292 | $248,182 |
| October 2029 | $1,344 | $294 | $247,888 |
| November 2029 | $1,343 | $296 | $247,593 |
| December 2029 | $1,341 | $297 | $247,296 |
| 2029 | $16,179 | $3,481 | $246,997 |
| January 2030 | $1,340 | $299 | $246,997 |
| February 2030 | $1,338 | $300 | $246,696 |
| March 2030 | $1,336 | $302 | $246,394 |
| April 2030 | $1,335 | $304 | $246,091 |
| May 2030 | $1,333 | $305 | $245,785 |
| June 2030 | $1,331 | $307 | $245,478 |
| July 2030 | $1,330 | $309 | $245,170 |
| August 2030 | $1,328 | $310 | $244,859 |
| September 2030 | $1,326 | $312 | $244,547 |
| October 2030 | $1,325 | $314 | $244,234 |
| November 2030 | $1,323 | $315 | $243,918 |
| December 2030 | $1,321 | $317 | $243,601 |
| 2030 | $15,945 | $3,714 | $243,282 |
| January 2031 | $1,320 | $319 | $243,282 |
| February 2031 | $1,318 | $321 | $242,962 |
| March 2031 | $1,316 | $322 | $242,640 |
| April 2031 | $1,314 | $324 | $242,316 |
| May 2031 | $1,313 | $326 | $241,990 |
| June 2031 | $1,311 | $328 | $241,662 |
| July 2031 | $1,309 | $329 | $241,333 |
| August 2031 | $1,307 | $331 | $241,002 |
| September 2031 | $1,305 | $333 | $240,669 |
| October 2031 | $1,304 | $335 | $240,334 |
| November 2031 | $1,302 | $337 | $239,998 |
| December 2031 | $1,300 | $338 | $239,659 |
| 2031 | $15,697 | $3,963 | $239,319 |
| January 2032 | $1,298 | $340 | $239,319 |
| February 2032 | $1,296 | $342 | $238,977 |
| March 2032 | $1,294 | $344 | $238,633 |
| April 2032 | $1,293 | $346 | $238,288 |
| May 2032 | $1,291 | $348 | $237,940 |
| June 2032 | $1,289 | $349 | $237,591 |
| July 2032 | $1,287 | $351 | $237,239 |
| August 2032 | $1,285 | $353 | $236,886 |
| September 2032 | $1,283 | $355 | $236,531 |
| October 2032 | $1,281 | $357 | $236,174 |
| November 2032 | $1,279 | $359 | $235,815 |
| December 2032 | $1,277 | $361 | $235,454 |
| 2032 | $15,431 | $4,229 | $235,091 |
| January 2033 | $1,275 | $363 | $235,091 |
| February 2033 | $1,273 | $365 | $234,726 |
| March 2033 | $1,271 | $367 | $234,359 |
| April 2033 | $1,269 | $369 | $233,990 |
| May 2033 | $1,267 | $371 | $233,619 |
| June 2033 | $1,265 | $373 | $233,246 |
| July 2033 | $1,263 | $375 | $232,871 |
| August 2033 | $1,261 | $377 | $232,494 |
| September 2033 | $1,259 | $379 | $232,115 |
| October 2033 | $1,257 | $381 | $231,734 |
| November 2033 | $1,255 | $383 | $231,351 |
| December 2033 | $1,253 | $385 | $230,966 |
| 2033 | $15,148 | $4,512 | $230,579 |
| January 2034 | $1,251 | $387 | $230,579 |
| February 2034 | $1,249 | $389 | $230,190 |
| March 2034 | $1,247 | $391 | $229,798 |
| April 2034 | $1,245 | $394 | $229,405 |
| May 2034 | $1,243 | $396 | $229,009 |
| June 2034 | $1,240 | $398 | $228,611 |
| July 2034 | $1,238 | $400 | $228,211 |
| August 2034 | $1,236 | $402 | $227,809 |
| September 2034 | $1,234 | $404 | $227,404 |
| October 2034 | $1,232 | $407 | $226,998 |
| November 2034 | $1,230 | $409 | $226,589 |
| December 2034 | $1,227 | $411 | $226,178 |
| 2034 | $14,846 | $4,814 | $225,765 |
| January 2035 | $1,225 | $413 | $225,765 |
| February 2035 | $1,223 | $415 | $225,350 |
| March 2035 | $1,221 | $418 | $224,932 |
| April 2035 | $1,218 | $420 | $224,512 |
| May 2035 | $1,216 | $422 | $224,090 |
| June 2035 | $1,214 | $425 | $223,665 |
| July 2035 | $1,212 | $427 | $223,238 |
| August 2035 | $1,209 | $429 | $222,809 |
| September 2035 | $1,207 | $431 | $222,378 |
| October 2035 | $1,205 | $434 | $221,944 |
| November 2035 | $1,202 | $436 | $221,508 |
| December 2035 | $1,200 | $438 | $221,069 |
| 2035 | $14,523 | $5,136 | $220,629 |
| January 2036 | $1,197 | $441 | $220,629 |
| February 2036 | $1,195 | $443 | $220,185 |
| March 2036 | $1,193 | $446 | $219,740 |
| April 2036 | $1,190 | $448 | $219,292 |
| May 2036 | $1,188 | $450 | $218,841 |
| June 2036 | $1,185 | $453 | $218,388 |
| July 2036 | $1,183 | $455 | $217,933 |
| August 2036 | $1,180 | $458 | $217,475 |
| September 2036 | $1,178 | $460 | $217,015 |
| October 2036 | $1,175 | $463 | $216,552 |
| November 2036 | $1,173 | $465 | $216,087 |
| December 2036 | $1,170 | $468 | $215,619 |
| 2036 | $14,180 | $5,480 | $215,148 |
| January 2037 | $1,168 | $470 | $215,148 |
| February 2037 | $1,165 | $473 | $214,675 |
| March 2037 | $1,163 | $475 | $214,200 |
| April 2037 | $1,160 | $478 | $213,722 |
| May 2037 | $1,158 | $481 | $213,241 |
| June 2037 | $1,155 | $483 | $212,758 |
| July 2037 | $1,152 | $486 | $212,272 |
| August 2037 | $1,150 | $489 | $211,783 |
| September 2037 | $1,147 | $491 | $211,292 |
| October 2037 | $1,144 | $494 | $210,798 |
| November 2037 | $1,142 | $496 | $210,302 |
| December 2037 | $1,139 | $499 | $209,803 |
| 2037 | $13,812 | $5,847 | $209,301 |
| January 2038 | $1,136 | $502 | $209,301 |
| February 2038 | $1,134 | $505 | $208,796 |
| March 2038 | $1,131 | $507 | $208,289 |
| April 2038 | $1,128 | $510 | $207,779 |
| May 2038 | $1,125 | $513 | $207,266 |
| June 2038 | $1,123 | $516 | $206,750 |
| July 2038 | $1,120 | $518 | $206,232 |
| August 2038 | $1,117 | $521 | $205,711 |
| September 2038 | $1,114 | $524 | $205,187 |
| October 2038 | $1,111 | $527 | $204,660 |
| November 2038 | $1,109 | $530 | $204,130 |
| December 2038 | $1,106 | $533 | $203,597 |
| 2038 | $13,421 | $6,239 | $203,062 |
| January 2039 | $1,103 | $536 | $203,062 |
| February 2039 | $1,100 | $538 | $202,524 |
| March 2039 | $1,097 | $541 | $201,982 |
| April 2039 | $1,094 | $544 | $201,438 |
| May 2039 | $1,091 | $547 | $200,891 |
| June 2039 | $1,088 | $550 | $200,341 |
| July 2039 | $1,085 | $553 | $199,787 |
| August 2039 | $1,082 | $556 | $199,231 |
| September 2039 | $1,079 | $559 | $198,672 |
| October 2039 | $1,076 | $562 | $198,110 |
| November 2039 | $1,073 | $565 | $197,545 |
| December 2039 | $1,070 | $568 | $196,976 |
| 2039 | $13,003 | $6,657 | $196,405 |
| January 2040 | $1,067 | $571 | $196,405 |
| February 2040 | $1,064 | $574 | $195,831 |
| March 2040 | $1,061 | $578 | $195,253 |
| April 2040 | $1,058 | $581 | $194,672 |
| May 2040 | $1,054 | $584 | $194,089 |
| June 2040 | $1,051 | $587 | $193,502 |
| July 2040 | $1,048 | $590 | $192,911 |
| August 2040 | $1,045 | $593 | $192,318 |
| September 2040 | $1,042 | $597 | $191,721 |
| October 2040 | $1,038 | $600 | $191,122 |
| November 2040 | $1,035 | $603 | $190,518 |
| December 2040 | $1,032 | $606 | $189,912 |
| 2040 | $12,557 | $7,103 | $189,302 |
| January 2041 | $1,029 | $610 | $189,302 |
| February 2041 | $1,025 | $613 | $188,690 |
| March 2041 | $1,022 | $616 | $188,073 |
| April 2041 | $1,019 | $620 | $187,454 |
| May 2041 | $1,015 | $623 | $186,831 |
| June 2041 | $1,012 | $626 | $186,204 |
| July 2041 | $1,009 | $630 | $185,575 |
| August 2041 | $1,005 | $633 | $184,942 |
| September 2041 | $1,002 | $637 | $184,305 |
| October 2041 | $998 | $640 | $183,665 |
| November 2041 | $995 | $643 | $183,022 |
| December 2041 | $991 | $647 | $182,375 |
| 2041 | $12,082 | $7,578 | $181,724 |
| January 2042 | $988 | $650 | $181,724 |
| February 2042 | $984 | $654 | $181,070 |
| March 2042 | $981 | $658 | $180,413 |
| April 2042 | $977 | $661 | $179,752 |
| May 2042 | $974 | $665 | $179,087 |
| June 2042 | $970 | $668 | $178,419 |
| July 2042 | $966 | $672 | $177,747 |
| August 2042 | $963 | $676 | $177,071 |
| September 2042 | $959 | $679 | $176,392 |
| October 2042 | $955 | $683 | $175,709 |
| November 2042 | $952 | $687 | $175,023 |
| December 2042 | $948 | $690 | $174,332 |
| 2042 | $11,574 | $8,086 | $173,638 |
| January 2043 | $944 | $694 | $173,638 |
| February 2043 | $941 | $698 | $172,941 |
| March 2043 | $937 | $702 | $172,239 |
| April 2043 | $933 | $705 | $171,534 |
| May 2043 | $929 | $709 | $170,824 |
| June 2043 | $925 | $713 | $170,111 |
| July 2043 | $921 | $717 | $169,395 |
| August 2043 | $918 | $721 | $168,674 |
| September 2043 | $914 | $725 | $167,949 |
| October 2043 | $910 | $729 | $167,221 |
| November 2043 | $906 | $733 | $166,488 |
| December 2043 | $902 | $737 | $165,751 |
| 2043 | $11,032 | $8,627 | $165,011 |
| January 2044 | $898 | $740 | $165,011 |
| February 2044 | $894 | $745 | $164,266 |
| March 2044 | $890 | $749 | $163,518 |
| April 2044 | $886 | $753 | $162,765 |
| May 2044 | $882 | $757 | $162,009 |
| June 2044 | $878 | $761 | $161,248 |
| July 2044 | $873 | $765 | $160,483 |
| August 2044 | $869 | $769 | $159,714 |
| September 2044 | $865 | $773 | $158,941 |
| October 2044 | $861 | $777 | $158,163 |
| November 2044 | $857 | $782 | $157,382 |
| December 2044 | $852 | $786 | $156,596 |
| 2044 | $10,455 | $9,205 | $155,806 |
| January 2045 | $848 | $790 | $155,806 |
| February 2045 | $844 | $794 | $155,011 |
| March 2045 | $840 | $799 | $154,213 |
| April 2045 | $835 | $803 | $153,410 |
| May 2045 | $831 | $807 | $152,602 |
| June 2045 | $827 | $812 | $151,791 |
| July 2045 | $822 | $816 | $150,975 |
| August 2045 | $818 | $821 | $150,154 |
| September 2045 | $813 | $825 | $149,329 |
| October 2045 | $809 | $829 | $148,500 |
| November 2045 | $804 | $834 | $147,666 |
| December 2045 | $800 | $838 | $146,827 |
| 2045 | $9,838 | $9,822 | $145,984 |
| January 2046 | $795 | $843 | $145,984 |
| February 2046 | $791 | $848 | $145,137 |
| March 2046 | $786 | $852 | $144,284 |
| April 2046 | $782 | $857 | $143,428 |
| May 2046 | $777 | $861 | $142,566 |
| June 2046 | $772 | $866 | $141,700 |
| July 2046 | $768 | $871 | $140,829 |
| August 2046 | $763 | $875 | $139,954 |
| September 2046 | $758 | $880 | $139,074 |
| October 2046 | $753 | $885 | $138,189 |
| November 2046 | $749 | $890 | $137,299 |
| December 2046 | $744 | $895 | $136,404 |
| 2046 | $9,180 | $10,479 | $135,505 |
| January 2047 | $739 | $899 | $135,505 |
| February 2047 | $734 | $904 | $134,600 |
| March 2047 | $729 | $909 | $133,691 |
| April 2047 | $724 | $914 | $132,777 |
| May 2047 | $719 | $919 | $131,858 |
| June 2047 | $714 | $924 | $130,934 |
| July 2047 | $709 | $929 | $130,005 |
| August 2047 | $704 | $934 | $129,071 |
| September 2047 | $699 | $939 | $128,131 |
| October 2047 | $694 | $944 | $127,187 |
| November 2047 | $689 | $949 | $126,238 |
| December 2047 | $684 | $955 | $125,283 |
| 2047 | $8,479 | $11,181 | $124,323 |
| January 2048 | $679 | $960 | $124,323 |
| February 2048 | $673 | $965 | $123,359 |
| March 2048 | $668 | $970 | $122,388 |
| April 2048 | $663 | $975 | $121,413 |
| May 2048 | $658 | $981 | $120,432 |
| June 2048 | $652 | $986 | $119,446 |
| July 2048 | $647 | $991 | $118,455 |
| August 2048 | $642 | $997 | $117,458 |
| September 2048 | $636 | $1,002 | $116,456 |
| October 2048 | $631 | $1,008 | $115,449 |
| November 2048 | $625 | $1,013 | $114,436 |
| December 2048 | $620 | $1,018 | $113,417 |
| 2048 | $7,730 | $11,930 | $112,393 |
| January 2049 | $614 | $1,024 | $112,393 |
| February 2049 | $609 | $1,030 | $111,364 |
| March 2049 | $603 | $1,035 | $110,329 |
| April 2049 | $598 | $1,041 | $109,288 |
| May 2049 | $592 | $1,046 | $108,242 |
| June 2049 | $586 | $1,052 | $107,190 |
| July 2049 | $581 | $1,058 | $106,132 |
| August 2049 | $575 | $1,063 | $105,069 |
| September 2049 | $569 | $1,069 | $103,999 |
| October 2049 | $563 | $1,075 | $102,924 |
| November 2049 | $558 | $1,081 | $101,844 |
| December 2049 | $552 | $1,087 | $100,757 |
| 2049 | $6,931 | $12,729 | $99,664 |
| January 2050 | $546 | $1,093 | $99,664 |
| February 2050 | $540 | $1,098 | $98,566 |
| March 2050 | $534 | $1,104 | $97,461 |
| April 2050 | $528 | $1,110 | $96,351 |
| May 2050 | $522 | $1,116 | $95,235 |
| June 2050 | $516 | $1,122 | $94,112 |
| July 2050 | $510 | $1,129 | $92,984 |
| August 2050 | $504 | $1,135 | $91,849 |
| September 2050 | $498 | $1,141 | $90,708 |
| October 2050 | $491 | $1,147 | $89,561 |
| November 2050 | $485 | $1,153 | $88,408 |
| December 2050 | $479 | $1,159 | $87,249 |
| 2050 | $6,078 | $13,582 | $86,083 |
| January 2051 | $473 | $1,166 | $86,083 |
| February 2051 | $466 | $1,172 | $84,911 |
| March 2051 | $460 | $1,178 | $83,732 |
| April 2051 | $454 | $1,185 | $82,548 |
| May 2051 | $447 | $1,191 | $81,356 |
| June 2051 | $441 | $1,198 | $80,159 |
| July 2051 | $434 | $1,204 | $78,955 |
| August 2051 | $428 | $1,211 | $77,744 |
| September 2051 | $421 | $1,217 | $76,527 |
| October 2051 | $415 | $1,224 | $75,303 |
| November 2051 | $408 | $1,230 | $74,073 |
| December 2051 | $401 | $1,237 | $72,835 |
| 2051 | $5,169 | $14,491 | $71,592 |
| January 2052 | $395 | $1,244 | $71,592 |
| February 2052 | $388 | $1,251 | $70,341 |
| March 2052 | $381 | $1,257 | $69,084 |
| April 2052 | $374 | $1,264 | $67,820 |
| May 2052 | $367 | $1,271 | $66,549 |
| June 2052 | $360 | $1,278 | $65,271 |
| July 2052 | $354 | $1,285 | $63,986 |
| August 2052 | $347 | $1,292 | $62,694 |
| September 2052 | $340 | $1,299 | $61,396 |
| October 2052 | $333 | $1,306 | $60,090 |
| November 2052 | $325 | $1,313 | $58,777 |
| December 2052 | $318 | $1,320 | $57,457 |
| 2052 | $4,198 | $15,462 | $56,130 |
| January 2053 | $311 | $1,327 | $56,130 |
| February 2053 | $304 | $1,334 | $54,796 |
| March 2053 | $297 | $1,342 | $53,454 |
| April 2053 | $290 | $1,349 | $52,106 |
| May 2053 | $282 | $1,356 | $50,749 |
| June 2053 | $275 | $1,363 | $49,386 |
| July 2053 | $268 | $1,371 | $48,015 |
| August 2053 | $260 | $1,378 | $46,637 |
| September 2053 | $253 | $1,386 | $45,251 |
| October 2053 | $245 | $1,393 | $43,858 |
| November 2053 | $238 | $1,401 | $42,457 |
| December 2053 | $230 | $1,408 | $41,049 |
| 2053 | $3,163 | $16,497 | $39,633 |
| January 2054 | $222 | $1,416 | $39,633 |
| February 2054 | $215 | $1,424 | $38,209 |
| March 2054 | $207 | $1,431 | $36,778 |
| April 2054 | $199 | $1,439 | $35,339 |
| May 2054 | $191 | $1,447 | $33,892 |
| June 2054 | $184 | $1,455 | $32,437 |
| July 2054 | $176 | $1,463 | $30,975 |
| August 2054 | $168 | $1,471 | $29,504 |
| September 2054 | $160 | $1,479 | $28,026 |
| October 2054 | $152 | $1,487 | $26,539 |
| November 2054 | $144 | $1,495 | $25,044 |
| December 2054 | $136 | $1,503 | $23,542 |
| 2054 | $2,058 | $17,602 | $22,031 |
| January 2055 | $128 | $1,511 | $22,031 |
| February 2055 | $119 | $1,519 | $20,512 |
| March 2055 | $111 | $1,527 | $18,985 |
| April 2055 | $103 | $1,535 | $17,449 |
| May 2055 | $95 | $1,544 | $15,906 |
| June 2055 | $86 | $1,552 | $14,353 |
| July 2055 | $78 | $1,561 | $12,793 |
| August 2055 | $69 | $1,569 | $11,224 |
| September 2055 | $61 | $1,578 | $9,646 |
| October 2055 | $52 | $1,586 | $8,060 |
| November 2055 | $44 | $1,595 | $6,465 |
| December 2055 | $35 | $1,603 | $4,862 |
| 2055 | $879 | $18,781 | $3,250 |
| January 2056 | $26 | $1,612 | $3,250 |
| February 2056 | $18 | $1,621 | $1,629 |
| March 2056 | $9 | $1,629 | $0 |
| 2056 | $26 | $3,250 | $0 |
Home Affordability on $90,000/Year
Using the 28/36 rule — your PITI payment should stay under 28% of gross income, total debt under 36%:
| Monthly | Annual | |
|---|---|---|
| Gross income | $7,500 | $90,000 |
| Max PITI (28%) | $2,100 | $25,200 |
| Max total debt (36%) | $2,700 | $32,400 |
How Much Home Can You Buy?
At a 6.5% interest rate with a 30-year loan:
| Down Payment | Max Home Price | Monthly PITI | Notes |
|---|---|---|---|
| 20% | $324,000 | ~$2,097 | No PMI |
| 10% | ~$275,000 | ~$2,100 | Includes PMI |
| 5% | ~$259,000 | ~$2,100 | Includes PMI |
A larger down payment lets you afford a more expensive home because there’s no PMI eating into your monthly budget.
Impact of Existing Debt
If you have other monthly debt payments, your buying power drops:
| Monthly Debt | Available for PITI | Max Home (20% down) |
|---|---|---|
| $0 | $2,100 | $324,000 |
| $300/mo | $2,400 | ~$288,000 |
| $500/mo | $2,200 | ~$264,000 |
| $800/mo | $1,900 | ~$228,000 |
Every $300/month in existing debt reduces your buying power by roughly $36,000.
How Interest Rate Affects Affordability
On a $90,000 salary with 20% down:
| Rate | Max Home Price | Monthly PITI |
|---|---|---|
| 5.5% | ~$363,000 | ~$2,100 |
| 6.0% | ~$343,000 | ~$2,100 |
| 6.5% | $324,000 | ~$2,097 |
| 7.0% | ~$305,000 | ~$2,100 |
| 7.5% | ~$288,000 | ~$2,100 |
A 1% rate drop adds roughly $39,000 to your buying power.
Tips to Maximize What You Can Afford
- Pay off debt first — every $300/month in debt you eliminate adds ~$36,000 in buying power
- Improve your credit score — better scores get lower rates, which means more home for the same payment
- Compare lenders — rates vary 0.25-0.5% between lenders, which can mean $19,000+ in buying power
- Consider bi-weekly payments — won’t help you qualify, but saves thousands in interest after you buy
- Check your state — property taxes and insurance vary dramatically. See your state’s costs
Calculate Your Exact Affordability
The calculator above is pre-filled for a $90,000 salary. Adjust the home value, down payment, and local taxes to see your exact monthly PITI payment.