OnionPatchFirst-Time Home Buyer Affordability Calculator
Estimate your home buying budget as a first-time buyer. See the full monthly cost including PMI, taxes, insurance, and maintenance.
Home affordability scenarios
Choose a scenario that matches your situation. Each page includes prefilled calculator settings, a tailored overview, and relevant FAQs.
All scenarios
Each scenario targets a common home-buying situation and pre-fills the affordability calculator with sensible defaults.
Home Affordability on a $100K Salary
See exactly how much home a $100,000 annual income supports when you include taxes, insurance, PMI, and maintenance.
Home Affordability on a $75K Salary
Estimate your home buying budget on a $75,000 income with a full monthly cost breakdown.
Home Affordability on a $50K Salary
Find your realistic home price range on a $50,000 income with all ownership costs included.
Home Affordability on a $150K Salary
Estimate your home buying budget on a $150,000 household income with a complete monthly cost breakdown.
Home Affordability With a Low Down Payment
Calculate your home buying budget when putting less than 20% down. See exactly how PMI and a smaller down payment affect your monthly costs.
Home Affordability on a Single Income
Estimate your home buying budget as a single-income household with a complete cost breakdown.
Home Affordability for Dual Income Households
Estimate your combined home buying budget as a two-income household with a complete monthly cost breakdown.
Condo Affordability With HOA Fees
Estimate how much condo you can afford when HOA fees are part of your monthly housing cost.
Home Affordability With a 15-Year Mortgage
Calculate your buying budget with a 15-year loan term and see how faster payoff changes your monthly costs and price range.
Home Affordability on a $200K Salary
See how much home a $200,000 household income supports with a complete monthly ownership cost breakdown.
Home Affordability on a $250K Salary
Estimate your home buying budget on a $250,000 income with a detailed monthly cost breakdown at higher price ranges.
Home Affordability on a $125K Salary
See how much home a $125,000 income supports with all ownership costs included.
Home Affordability on a $40K Salary
Find your realistic home price range on a $40,000 income with all ownership costs included.
Home Affordability With No Debt
See how much more house you can afford when you have no monthly debt payments eating into your budget.
Home Affordability at a 7.5% Interest Rate
Calculate your home buying budget at a 7.5% mortgage rate and see how higher interest impacts your monthly costs and affordable price.
Home Affordability With a 10-Year Mortgage
Estimate your buying budget with a 10-year loan term and see how the fastest payoff schedule affects your monthly costs.
Home Affordability With a Large Down Payment
Estimate your home buying budget when you have a substantial down payment of 20% or more, eliminating PMI entirely.
Starter Home Affordability Calculator
Estimate a realistic budget for a starter home with moderate income, a small down payment, and all monthly ownership costs included.
Home Affordability for Self-Employed Buyers
Estimate your home buying budget as a self-employed earner using a conservative income figure and all ownership costs.