How Much House Can I Afford?
House Affordability Calculator
There are two House Affordability Calculators that can be used to estimate an affordable purchase amount for a house based on either household income-to-debt estimates or fixed monthly budgets. They are mainly intended for use by U.S. residents.
$
salary + other incomes (before tax)
years
%
$
long-term debts, car, student loan, etc
per year
per year
per year
House affordability based on fixed, monthly budgets
This is a separate calculator used to estimate house affordability based on monthly allocations of a fixed amount for housing costs.
$
per month
years
%
per year
per year
per year
per year
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Current Mortgage Rates
Mar 12, 2026
| Program | Rate | APR |
|---|---|---|
| 30-Yr Purchase | 5.750% | 5.750% |
| 30-Yr Refinance | 5.875% | 5.903% |
| 30-Yr FHA Purchase | 5.375% | 5.943% |
| 30-Yr VA Purchase | 5.500% | 5.631% |
| 15-Yr Purchase | 5.125% | 5.163% |
| 15-Yr Refinance | 5.500% | 5.546% |
| 10/6 ARM Purchase | 6.625% | 6.628% |
| 7/6 ARM Purchase | 6.625% | 6.638% |
Rates subject to change. Get Quote