Home Affordability & Required Income Calculator

Texas-ready: 28/36 rule + full grid from 20% to 45%. Add your other bills. Results update live.

Quick presets:
Tip: Texas often runs 1.6–2.3%
Other Bills(Monthly) $0
Examples: car payment, credit cards, student loans, childcare, personal loans.

Loan Amount

$1,200,000

Monthly P&I

$7,600

Taxes + Ins + HOA

$1,812

Total Housing

$9,412
Property taxes (monthly)$2,125
Insurance (monthly)$292
HOA (monthly)$250
PMI (monthly, est.)$0
Housing share @ 28% rule$33,614/mo
Total debt allowed @ 36% minus other bills$33,614/mo
28/36 are guidelines. Lenders weigh credit, reserves, loan type, and local taxes/insurance.

Required Income

Two views at each %: Housing-Only and Total-Debt (housing + other bills).

Req. income @ 28%$403,368/yr
Req. income @ 36% (incl. bills)$??/yr
Suggested range$400k–$450k
Income Grid (Annual)
% of Gross Housing-Only Income Total-Debt Income

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Planning <20% down? Use PMI toggle. Jumbo loans often require 6–12 months reserves.