How to Calculate Home Affordability (The 28/36 Rule)

Just because a bank will lend you $600,000 doesn't mean you should borrow it. Buying too much house is the fastest way to ruin your financial life.

The Pain of Being House Poor

If your mortgage eats up 50% of your take-home pay, you have no room for travel, investing, or repairs. You become a prisoner in your own beautiful home.

The Easy Way: The Reality Check

Our Affordability Calculator works backwards from your income to tell you the maximum home price that fits the Safe Zone.

Frequently Asked Questions

Does debt affect this?

Yes. A $500 car payment can reduce your buying power by $50k.