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Jul 7, 2022 ... The most straightforward way – and the most realistic way – to learn how much you can afford is to get prequalified with a mortgage lender. How Much House Can I Afford in Retirement? Financial experts generally recommend that your total housing expenses, including mortgage payments, property taxes, ... Oct 12, 2022 ... Lenders will consider your monthly gross income—or take-home pay—when considering your mortgage application. Most financial experts agree that a ... Wondering how much you can afford for a house? Use Firefighters First Credit Union's (FFCU) mortgage qualifier calculator to find the best answer. Using a home affordability calculator. Knowing your target loan amount will help you determine how much house you can afford. In this formula, you'll use:. Jan 23, 2025 ... After that, the basic rule of thumb is that you should allocate no more than 28% of your monthly income to housing costs. But there are a ... Nov 3, 2017 ... A general rule is to keep home costs, which includes mortgage payment, property taxes and insurance, between 25% and 36% of your take-home pay. How much house can I afford? · Income · Debt: student loan, car payment, etc. · Monthly bills: electricity, phone, childcare, etc. · Regular spending: groceries, ... Apr 24, 2025 ... 1. Figure out 25% of your take-home pay. To calculate how much house you can afford, use the 25% guideline we talked about earlier: Never spend ... Home Affordability Calculator. woman holding two pots of flowers. How Much Home Can You Afford? Key factors like your debt-to-income ratio, credit score, and ...