Quick estimate

How much home can I afford?

A simplified version of the MortgageSkip calculator, with typical costs filled in. The full version lets you set property tax, heating, condo fees and the amortization.

Household income, before tax

Other debt payments a month

Down payment saved

Interest rate

Estimated maximum purchase price

About $612,000

A mortgage of about $548,492, at roughly $2,975 a month at the rate entered. Here income sets the limit, under the mortgage stress test.

Open the full affordability calculator →

Estimated September 29, 2026. Tested at the greater of your rate plus 2% or 5.25%, against the usual 39% and 44% debt service limits, with a 25-year amortization, property tax at 1% of the price and $100 a month for heating. Lenders also look at credit, employment and the property. This is a simplified estimate, not a quote, a pre-approval or advice, and a lender’s own figures can differ. Nothing you enter here leaves your browser.