By income
How Much House Can I Afford by Salary?
Prices below assume $50,000 down, $400 a month in other debts, a 7.28% 30-year rate, and property tax and insurance in the payment.
Select an income for the full breakdown, or use the affordability calculator with your own numbers.
| Salary | Comfortable | Standard | Stretch |
|---|---|---|---|
| $40,000 | $113,000 | $126,000 | $156,000 |
| $50,000 | $149,000 | $165,000 | $190,000 |
| $60,000 | $184,000 | $204,000 | $223,000 |
| $70,000 | $211,000 | $234,000 | $250,000 |
| $80,000 | $238,000 | $254,000 | $279,000 |
| $90,000 | $255,000 | $283,000 | $311,000 |
| $100,000 | $281,000 | $312,000 | $336,000 |
| $110,000 | $307,000 | $334,000 | $367,000 |
| $120,000 | $333,000 | $362,000 | $398,000 |
| $130,000 | $351,000 | $390,000 | $429,000 |
| $140,000 | $376,000 | $418,000 | $460,000 |
| $150,000 | $401,000 | $446,000 | $491,000 |
| $160,000 | $426,000 | $474,000 | $513,000 |
| $170,000 | $451,000 | $500,000 | $544,000 |
| $180,000 | $476,000 | $521,000 | $574,000 |
| $190,000 | $500,000 | $548,000 | $605,000 |
| $200,000 | $517,000 | $576,000 | $635,000 |
| $210,000 | $542,000 | $604,000 | $666,000 |
| $220,000 | $566,000 | $631,000 | $696,000 |
| $230,000 | $591,000 | $659,000 | $727,000 |
| $240,000 | $615,000 | $686,000 | $757,000 |
| $250,000 | $640,000 | $714,000 | $788,000 |
Comfortable = 25% of income on housing and 33% in total debts; standard = 28% / 36%; stretch = 31% / 43%. These are guidelines, not lender approvals. Read thefull guide and the methodology.