Income Calculator
How much home can your income buy?
Enter a few details about your income, debts, and savings. We'll show your comfortable price range and monthly payment.
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Income
Annual household income
$
Co-borrower income
$
Monthly bonus / commission
$
Advanced income helper
Hourly? Let Homefello do the math
Enter hourly pay details and we will calculate annual income automatically.
Hourly rate
$
Regular hours / week
Overtime hourly rate
$
Overtime hours / week
Weeks paid per year
Pay frequency
Estimated gross income
$58,240 / year
Estimated paycheck before taxes
$2,240
Monthly Debts
Car payments
$
Credit cards
$
Student loans
$
Other monthly debt
$
Money Available
Down payment
$
Interest rate %
Credit score range
ZIP code
Property tax annual
$
Home insurance monthly
$
Loan Comfort Level
Choose the scenario that feels right for you.
🛡️
Conservative
More breathing room
⚖️
Balanced
Realistic buyer target
🚀
Max Approval
Closer to qualifying range
🔒 Results are estimates and not a guarantee of loan approval.
Your comfortable price range
$280,000 – $320,000
Estimated Monthly Payment
$2,523 /mo
Estimated Down Payment
$15,000
Estimated Cash to Close
$23K – $30K
Estimated DTI
34%
Buyer Comfort Meter
Safe
Comfortable
Stretching
Risky
Your estimated monthly payment breakdown
Principal & Interest
$1,849
Property Taxes
$200
Homeowners Insurance
$110
PMI Estimate
$154
HOA Fees
$150
Utilities Buffer
$60
Estimated Total Monthly Payment
$2,523 /mo
Want to afford more?
Small changes can make a big difference.
Pay down $5,000 in debt
+$18,000
Add $5,000 to down payment
+$22,000
Improve credit score to 740+
+$15,000
Lower target payment by $150/mo
+$25,000
What this means in plain English
Based on your income and current debts, Homefello estimates the home price range that may fit your monthly budget. This is not a final approval, but it gives you a smart starting point before touring homes.
- Comfortable monthly payment
- Healthy debt-to-income ratio
- Room to enjoy life & save for the future
