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Calculate your maximum home price instantly using income, debts, and savings. It provides a detailed breakdown of monthly payments, including principal, interest, taxes, and insurance, based on live mortgage rates.
✓Instant affordability analysis
✓Live mortgage rate integration
✓Complete monthly payment breakdown
✓Customizable down payment and mortgage terms
✓Identifies savings or income limitations
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What's New in How Much House Can I Afford?
1.1
June 17, 2026
Version 1.1 is a big upgrade: • Your answer stays on screen — the max price is now pinned to the top as you type, with a Done button on the keyboard. • New "By payment" mode: start from a monthly payment and see the home price it buys (plus the income you'd need to qualify). • Now factors in PMI (under 20% down), HOA dues, and closing costs — and you can edit the property tax and insurance rates. • Full monthly breakdown with total cash to close and lifetime interest. • Down payment presets (3.5% FHA, 5%, 10%, 20%) and 15 / 20 / 30-year terms. • Dark mode and a cleaner, faster design.
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FAQ
How Much House Can I Afford? uses live mortgage rates. How are these rates sourced?
The app automatically fetches today's average 30-year conventional mortgage rate. Users also have the flexibility to manually input a custom rate if preferred.
What financial information do I need to use How Much House Can I Afford?
To get an instant affordability analysis, you will need to provide your income, existing debts, and available savings. The calculator uses this data to determine your maximum home price.
Does How Much House Can I Afford? show estimated property taxes and home insurance?
Yes, the app provides an estimated breakdown of your total monthly payment, which includes estimated figures for property tax and home insurance alongside principal and interest.
Can I customize the down payment and mortgage term in How Much House Can I Afford?
Absolutely. You can choose a standard 20% down payment or customize it, and select a 30-year mortgage or set your own term, such as 15, 20, or 25 years.
Does How Much House Can I Afford? have ads?
Yes, this app contains advertisements. It is supported by ads to provide its services for free.
What devices does How Much House Can I Afford? support?
Currently, How Much House Can I Afford? is available on iPhones. Support for other devices may be added in future updates.
How often is How Much House Can I Afford? updated?
The app was last updated on June 17, 2026, with version 1.1. This indicates a relatively recent update, suggesting ongoing development and maintenance.
Is How Much House Can I Afford? suitable for users under 18?
How Much House Can I Afford? has an age rating of 4+, making it suitable for a wide range of users. However, financial decisions should always be made with adult guidance.