🔑 How much income do you need to buy a house?
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🏠 Target House
You make $140k, save $1,500 a month, and still feel like you can't afford a basic house. You aren't crazy—the math has fundamentally changed. Let's break down exactly how much income you actually need to buy a house today without sacrificing your family's lifestyle.
🏦 Mortgage Details
Down payment
🥜 House Expenses
The mortgage is just the cover charge. Houses come with taxes, insurance, utilities, and endless maintenance.
Total Housing Payment
🛒 Life & Savings
Enter your current monthly expenses, excluding your rent. We need to see what your life costs outside of housing.
🔗 See Also
🏠 The Verdict
Here is the hard math on what it takes to afford this house while maintaining your current lifestyle and savings rate.
Required take-home (monthly)
Monthly shortfall
Required gross income
Annual income gap
Recommendation
Unaffordable
Calculator updated by heyfinfam (v26.7.0) · View history
Privacy: None of your data is transmitted to the author of this view or any other third parties. Financial inputs are never used to identify you; they're only used to calculate results.
Disclaimer: This content and any calculations provided are for informational purposes only. The views, calculations, and methodologies expressed are those of the author and do not necessarily reflect those of this platform. Not financial advice. Users are solely responsible for any decisions made based on this information.