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HouseFit Calculator
Free tool · 60-second result

How much house can you actually afford?

Plug in your income, debts, and ZIP code. Get a real number based on 2026 rates and DTI rules — plus a personalized lender match in your inbox.

  • Uses live mortgage rate + DTI data
  • No credit pull. No pushy sales calls.
  • Personalized lender recommendation included
Featured in NerdWallet, Bankrate, and The Points Guy
Annual household income/yr
Monthly debt payments (cars, loans, cards)/mo
Down payment available
ZIP code
You can comfortably afford
$404,409
Est. monthly P&I
$2,400/mo
Loan amount
$364,409
Result locked — unlock below

No credit pull. We'll match you with 1 lender for ZIP 78704. Affiliate disclosed.

How the calculator gets to a real number

Most "affordability" tools just multiply your salary. This one models the math your lender will actually run.

36% DTI cap

We cap total housing + debt at 36% of gross monthly income — the threshold most lenders use for a comfortable approval.

Live 2026 rates

Pulled from Optimal Blue's daily index, not last year's marketing pages. Rate stamped on every result.

ZIP-aware match

Lender match changes by ZIP — local lenders often beat the national brands by 30–60 bps.

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