CalculatorsBuying
How Much House
Start with your income, debts and savings. See the price you could pay at three budget levels, and whether a home you have in mind fits.
Estimated top price
Estimates only. Not a loan approval, commitment, or offer to lend. A lender’s approval is what counts.
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). National average for the week of November 12, 2026. It is an average for conventional purchase loans, not an offer of credit and not an APR.
How we calculate this
- Top price. The highest price where your house payment and other debts stay inside the budget level, and your savings cover the down payment, the closing costs and a cushion.
- Budget levels. Each level is a share of your income before taxes that can go to the house payment and your other debts. The line under each bar says which limit holds that price where it is.
- House payment. Principal and interest, property tax, homeowners insurance, any mortgage insurance and HOA dues, the same estimate as the Monthly Payment calculator. Property tax is the first-year figure, with no homestead exemption, because that is the payment a lender qualifies you on. In DeKalb and Gwinnett the payment also includes the charges for service those counties put on the tax bill (sanitation, stormwater or solid waste), because a lender collects them with the tax. The City of Atlanta’s trash and recycling bill is sent separately, so it is noted under the result and left out of the payment.
- Seller concession. Money the seller agrees to put toward your closing costs. It frees the same amount of your savings for the down payment, so it can raise your top price. It pays costs only, never the down payment, and each loan type limits how much a seller can give.
- A home you have in mind. Enter a price and the result says Ready, Almost or Not yet at that price, with what would close the gap.
- Interest rate. Freddie Mac’s weekly national average for the week of November 12, 2026, shown as published. It is the average for conventional purchase loans with 20% down and good to excellent credit, so your own rate can differ. Enter your lender’s quote if you have one. Not an offer of credit and not an APR.
See the breakdown
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A calculator can’t look at your house.
When you want these numbers checked against a real home, a real lender quote and your timing, start with a conversation. If now isn’t the time, Terence will tell you.
