Reviewed September 12, 2026 · Planning scenarios
How Much House Can I Afford by Salary?
Quick answer: A salary alone does not determine a safe price. Debt, down payment, rate, taxes, insurance and cash reserves matter. Choose a salary scenario, then customize the full Affordability Calculator.
2026 scenario
House affordability on $60,000 salary
See rate, down-payment and debt assumptions.
2026 scenario
House affordability on $75,000 salary
See rate, down-payment and debt assumptions.
2026 scenario
House affordability on $100,000 salary
See rate, down-payment and debt assumptions.
2026 scenario
House affordability on $120,000 salary
See rate, down-payment and debt assumptions.
2026 scenario
House affordability on $150,000 salary
See rate, down-payment and debt assumptions.
2026 scenario
House affordability on $200,000 salary
See rate, down-payment and debt assumptions.
Approval is not the same as affordability
These pages use gross income for planning and show conservative and higher-debt scenarios. Lender underwriting can count income, obligations and loan-program rules differently. Build a payment that leaves room for savings, maintenance and irregular costs.
Continue your financial research
Use these closely related USFinNexus guides and tools to plan your next step.
Related calculators
- Home Affordability CalculatorEstimate a home price that fits your budget.