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Housing costs / income = front-end ratio. You can reverse the calculation and multiply your income by to determine a target mortgage payment. 36% is the. Free house affordability calculator to estimate an affordable house price based on factors such as income, debt, down payment, or simply budget. How much house can I afford? This calculator will give you a better idea of mortgage calculator to determine the cost of the home that you can afford. By home price – Found a home you like? Use this calculator to see if you can afford it; By income – Tell us your annual income, your existing monthly debt load. Many homeowners find themselves surprised by these costs once they've purchased a new home. That's why we created the Home Affordability Calculator; to arm you.