How Much House Can I Afford by Income?
The home price that fits the 28/36 rule for common incomes, at a 7.40% 30-year rate (Freddie Mac average, October 15, 2026), with $400 a month of other debts. Pick an income for the payment, the FHA-style limit and what a lower rate would change.
| Income | 10% down | 20% down | Payment (10% down) |
|---|---|---|---|
| $40,000 | $99,815 | $116,408 | $800 |
| $50,000 | $137,246 | $160,061 | $1,100 |
| $60,000 | $174,677 | $203,714 | $1,400 |
| $70,000 | $203,790 | $237,666 | $1,633 |
| $80,000 | $232,903 | $271,618 | $1,867 |
| $90,000 | $262,016 | $305,571 | $2,100 |
| $100,000 | $291,129 | $339,523 | $2,333 |
| $120,000 | $349,355 | $407,428 | $2,800 |
| $150,000 | $436,694 | $509,285 | $3,500 |
| $200,000 | $582,259 | $679,047 | $4,667 |
On $75,000? Read the full guide for a $75,000 salary. For your own debts, down payment and rate, use the home affordability calculator.