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Praktikus

Lakásmegfizethetőség Kalkulátor

How Much House Can I Afford?

Annual Gross Income ($)
Monthly Debt Payments ($)
Kamatláb
Hitel futamideje
Előleg

What is Home Affordability Calculator?

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Az otthoni megfizethetőség kalkulátorai megbecsülik a maximális lakásárat a jövedelem, az adósságok, az előleg és a kamat alapján, a 28/36 adósság-jövedelem arány alapján.

DigiCalcs delivers precision-engineered tools for engineers and STEM professionals.

Képlet

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f(x)Max housing = Gross monthly income × 28%; Max total debt = Gross monthly income × 36%; Max home price ≈ Max housing × 360 months / Monthly payment factor

Variable Legend

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SzimbólumNévEgységLeírás
IGross annual incomeCurrency—
DExisting monthly debtsCurrency—
rMortgage interest rateAnnual percentage—
DPDown payment amountCurrency—

How to Home Affordability Calculator

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  1. 128% rule: housing ≤ 28% of gross monthly income
  2. 236% rule: all debts ≤ 36% of gross monthly income
  3. 3Use the lower of the two limits
  4. 4Credit score affects available interest rate significantly

Worked Examples

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Example 1
Given:$90k income, $500/mo debts, 6.5% rate, 10% down
Eredmény:Max home price ≈ $310k

Real-World Applications

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Home purchase budget planning

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Debt payoff target setting

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Refinance qualification check

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Financial readiness assessment

28/36 Rule Reference

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Annual incomeMax housing/moMax total debt/mo
$60k$1,400$1,800
$90k$2,100$2,700
$120k$2,800$3,600

Frequently Asked Questions

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Q

What's included in "debts"?

A

Car loans, student loans, credit cards, personal loans. NOT utilities, insurance, rent. The 36% rule includes all of these + new mortgage payment.

Q

Do I need 20% down?

A

Not legally. But < 20% triggers PMI and higher rates. 3–5% is possible but expensive. 10–15% is a middle ground. Better credit score = access to lower rates at all down payments.

Q

How does credit score affect affordability?

A

Huge. 620 credit score might get 7.5% rate; 780+ gets 5.5%. That 2% difference adds $100k+ in interest on a $400k mortgage. Raise credit score before buying.

Regional Guides

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US▾
28/36 rule is standard. Lenders vary: some allow 43% debt-to-income for strong borrowers. FHA more flexible (50%+). Shop multiple lenders.
UK▾
Stress test rule: lenders approve if you could afford payment at +2% rate. Income multiples 4–4.5x typical. Existing debts heavily weighted.
Accuracy-checked
Reviewed October 2026
Our methodology

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Ingyenes
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Pontos
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Azonnali
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Beállítások

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