# How Much House Can I Afford? — Home Affordability Calculator > Instant home affordability calculator with mortgage rate analysis and payment breakdown. (iPhone/iPad app by Kevin Tang.) - Source: https://appshunter.io/ios/app/how-much-house-can-i-afford/id6756549035 (this page in markdown: same URL + `.md`) - Developer: [Kevin Tang](https://appshunter.io/developer/1780758221) - Category: Finance, Utilities - Price: Free - Age rating: 4+ - Requires: iOS 26.1 · 5 MB - Languages: English - Released: 2025-12-16 - Data updated: 2026-06-30 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/how-much-house-can-i-afford/id6756549035/reviews.md ## What is How Much House Can I Afford?? Find out exactly how much house you can afford in seconds. Planning to buy a home? Stop guessing and start calculating. Home Affordability Calculator uses proven financial formulas and real-time mortgage rates to show you the maximum home price that fits your budget. INSTANT AFFORDABILITY ANALYSIS Enter your income, debts, and savings to instantly see your maximum home price. Our smart calculator considers your debt-to-income ratio, down payment, and current interest rates. LIVE MORTGAGE RATES Get today's average 30-year conventional mortgage rate automatically—no manual research needed. Want to use a custom rate? Toggle it off and enter your own. COMPLETE PAYMENT BREAKDOWN See exactly where your money goes: Principal & Interest Property Tax (estimated) Home Insurance (estimated) Total Monthly Payment Your Housing-to-Income Ratio FLEXIBLE OPTIONS Use standard 20% down payment or customize it Choose 30-year mortgage or set your own term (15, 20, 25 years) Automatically identifies if you're limited by savings or income PERFECT FOR: First-time homebuyers Anyone planning to refinance Real estate investors Financial planning Download now and take the guesswork out of home buying! This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. ## Key features - Instant affordability analysis - Live mortgage rate integration - Complete monthly payment breakdown - Customizable down payment and mortgage terms - Identifies savings or income limitations ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/how-much-house-can-i-afford/id6756549035/reviews.md ### 1/5 — Useless *2026-04-24* Useless ## Frequently asked questions about How Much House Can I Afford? ### 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. ## Version history (last 2 releases) ### 1.1 — 2026-06-17 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. ### 1.0 — 2025-12-17 No release notes. ## More apps by Kevin Tang - [Wallet Buddy!](https://appshunter.io/ios/app/wallet-buddy/id6738414239) - [Card2Clip](https://appshunter.io/ios/app/card2clip/id6748371125) - [Bet Arbitrage Calculator](https://appshunter.io/ios/app/bet-arbitrage-calculator/id6748549209) - [NATO Translate](https://appshunter.io/ios/app/nato-translate/id6748549979) - [Credit Age Calculator](https://appshunter.io/ios/app/credit-age-calculator/id6748550053) - [DTMF Dialer Tool](https://appshunter.io/ios/app/dtmf-dialer-tool/id6748663059) All apps by Kevin Tang: https://appshunter.io/developer/1780758221 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-30.*