Affordability Calculator
See the maximum home price you can realistically qualify for based on your income and debts.
This calculator uses standard lender debt-to-income guidelines to estimate your maximum loan qualification. The result is an estimate, not a pre-approval — your actual qualification depends on your credit, employment, and the specific loan program. Consult a licensed mortgage lender for actual pre-approval.
Include car loans, student loans, credit card minimums, child support, alimony, and other recurring monthly debts.
Annual rate as % of home value. Typical Wake County: 0.78%.
Annual cost. Typical Triangle range: $1,200–$2,000.
Maximum home price
$429,396
Estimated monthly payment: $2,800.00/mo
Includes principal & interest, taxes, and insurance. Front-end DTI is the binding constraint.
How we got there
Recommended comfortable range
$343,516 – $407,926
80–95% of your technical maximum. Staying in this range gives you more breathing room for unexpected expenses, rate changes, and life events.
New construction buyers in the Triangle can reduce their effective purchase price by 1–2% through the Sakan rebate — which may shift what’s affordable.
This calculator uses standard debt-to-income guidelines to estimate maximum qualification and does not constitute pre-approval. Your actual maximum loan qualification depends on credit score, income verification, employment history, the specific loan program (conventional, FHA, VA, USDA), debt-to-income limits set by your specific lender, and other factors. FHA loans typically allow higher DTI ratios than conventional. The “aggressive” DTI option shown reflects FHA-style limits; not all lenders will approve at this level. Consult a licensed mortgage lender for actual pre-approval based on your full financial profile.
This tool is provided for educational purposes only and does not constitute legal, financial, tax, or investment advice. Sakan Properties does not guarantee the accuracy of these calculations for your specific situation. Consult qualified professionals (lender, attorney, CPA, financial advisor) for advice specific to your circumstances.