Mortgage Affordability Guides
How Much House Can You Afford? Guides by Salary
Each guide is built around a specific annual income. Find your salary range to see your realistic home price target, monthly payment ceiling, recommended down payment, and a real-world buyer scenario.
Entry Level ($30k–$60k)
$30,000 Salary
Target: $120,000Max: $700/mo
$35,000 Salary
Target: $140,000Max: $817/mo
$40,000 Salary
Target: $160,000Max: $933/mo
$45,000 Salary
Target: $180,000Max: $1,050/mo
$50,000 Salary
Target: $200,000Max: $1,167/mo
$55,000 Salary
Target: $220,000Max: $1,283/mo
$60,000 Salary
Target: $240,000Max: $1,400/mo
Mid Range ($65k–$100k)
$65,000 Salary
Target: $260,000Max: $1,517/mo
$70,000 Salary
Target: $280,000Max: $1,633/mo
$75,000 Salary
Target: $300,000Max: $1,750/mo
$80,000 Salary
Target: $320,000Max: $1,867/mo
$85,000 Salary
Target: $340,000Max: $1,983/mo
$90,000 Salary
Target: $360,000Max: $2,100/mo
$95,000 Salary
Target: $380,000Max: $2,217/mo
$100,000 Salary
Target: $400,000Max: $2,333/mo
Upper Mid ($110k–$175k)
$110,000 Salary
Target: $440,000Max: $2,567/mo
$120,000 Salary
Target: $480,000Max: $2,800/mo
$125,000 Salary
Target: $500,000Max: $2,917/mo
$130,000 Salary
Target: $520,000Max: $3,033/mo
$140,000 Salary
Target: $560,000Max: $3,267/mo
$150,000 Salary
Target: $600,000Max: $3,500/mo
$175,000 Salary
Target: $700,000Max: $4,083/mo