A good rule is the 30% rule:
- Monthly income: $2,500
- Safe housing budget: ~$700–$800/month
That monthly payment typically puts you in a home price range of:
👉 $120K – $180K
This includes:
This is where most people get it wrong.
Buying a home is not just about how much money you make.
It also depends on:
👉 You don’t need perfect credit
👉 You just need the right setup
Start With a Calculator First
Before you even talk to a lender, you should know your numbers.
That’s where a Home Affordability Calculator comes in.
It helps you:
Want to know your exact budget?
Use the calculator here: ↓
Two couple calculating their home budget
Real estate calculator tools