How Much Home Can You Afford?
Estimate your maximum purchase price based on income, debts, and down payment using standard lending guidelines.
Gross (before taxes)
Car loans, student loans, credit cards, etc.
Select your town to use its current local tax rate
Maximum Home Price
$379,000
With $100,000 down payment
Loan Amount
$279,000
Monthly Payment
$2,329
PITI + PMI
Qualifying Ratios
Max recommended: 28% of income
Max recommended: 43% of income
Your affordability is limited by the housing-to-income ratio (front-end).
Monthly Payment Breakdown
This estimate uses standard qualifying ratios (28% front-end, 43% back-end) and the Massachusetts average property tax rate. Actual pre-approval amounts may vary.
Property tax figures use the most recent published town rates (MA FY2026, NH 2025, RI FY2026, ME 2024) and are estimates only. Your actual tax depends on the assessed value, local exemptions, and annual rate changes — always confirm the current rate with the town assessor.
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