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How much house can you afford in the US?

Quick answer: How much house can you afford in the US? Income, debts and down payment through the 28/36 rule at your rate. $100k income lands near a $345,900 maximum.

The American answer uses the conventional 28/36 rule: housing costs within 28% of gross income, all debts within 36%, priced at the rate you're actually quoted — because a US 30-year fixed has no Canadian-style stress test; the rate you sign is the rate for life. The default household ($100,000 income, $400 monthly debts, $40,000 down at 6.5%) supports about a $345,900 purchase. The binding ratio is named, so you know whether housing costs or existing debt is the ceiling.

Common questions

What is the 28/36 rule?

A conventional-lending rule of thumb: monthly housing costs (mortgage, property tax, insurance) should stay within 28% of gross monthly income, and total debt payments within 36%. Whichever binds first sets the ceiling. FHA loans stretch to roughly 31/43, and strong credit or reserves flex the numbers — which is why pre-approval, not any calculator, is the real answer.

Why is there no stress test like Canada's?

Because the products differ: the standard US mortgage is a 30-year fixed — the payment never changes, so there is no renewal shock to test for. Canadians re-qualify at renewal every few years and are stress-tested for it; Americans lock the rate at signing. The same income therefore supports a somewhat larger US price at the same rate.

What does the property tax + insurance field change?

Both live inside the 28% housing cap, so every dollar of tax and insurance displaces a dollar of mortgage payment. Property tax varies enormously by county — under 0.5% of home value in parts of the South, over 2% in New Jersey or Illinois — and that spread moves the affordable price by tens of thousands.

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