🏠 How much home can you truly afford without being house poor?

Finn

This calculator is a great reality check for prospective homebuyers who want to look beyond the sticker price and understand their actual monthly burden. It completely reworks its original source material, shifting the focus from down payment timelines to a comprehensive monthly budget that includes taxes, insurance, and PMI. The tool clearly shows what percentage of your income will go toward housing, helping you avoid taking on a mortgage you can't comfortably afford. Just keep in mind that homeowners insurance is estimated at a flat $150 a month, so you may need to mentally adjust your final number if you live in an area with higher premiums.

Reviewed v26.9.0