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КонтактыHow Much House Can I Afford? Complete Calculator Guide for 2026
Having of the home's value saved (for down payment and cash reserves).
: This traditional benchmark suggests spending no more than 28% of your gross monthly income on housing costs (principal, interest, taxes, and insurance) and no more than 36% on total debt.
: Denver, Miami, and Seattle require salaries between $140,000 and $190,000 .
Lenders and financial experts use specific guidelines to determine how much house your income can support.
The "Comfort Rule" (30% of net income) leaves more room for savings and emergencies compared to the "Bank Rule" (28% of gross income). Regional Variations (2026 Data)
: A more conservative "safety net" recommending:
The income required to buy a median-priced home changes drastically by location:
