Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.
What price can I afford at each salary?
| Salary | Conventional (28%–36%) | FHA (28%–36%) |
|---|---|---|
| $30,000 | $72,000 – $98,000 | $70,000 – $95,000 |
| $35,000 | $87,000 – $118,000 | $84,000 – $114,000 |
| $40,000 | $102,000 – $137,000 | $99,000 – $133,000 |
| $45,000 | $118,000 – $157,000 | $114,000 – $152,000 |
| $50,000 | $133,000 – $176,000 | $128,000 – $170,000 |
| $55,000 | $148,000 – $196,000 | $143,000 – $189,000 |
| $60,000 | $163,000 – $215,000 | $158,000 – $208,000 |
| $65,000 | $178,000 – $235,000 | $173,000 – $227,000 |
| $70,000 | $194,000 – $255,000 | $187,000 – $246,000 |
| $75,000 | $209,000 – $274,000 | $202,000 – $265,000 |
| $80,000 | $224,000 – $294,000 | $217,000 – $284,000 |
| $85,000 | $239,000 – $313,000 | $231,000 – $303,000 |
| $90,000 | $255,000 – $333,000 | $246,000 – $322,000 |
| $95,000 | $270,000 – $352,000 | $261,000 – $341,000 |
| $100,000 | $285,000 – $372,000 | $276,000 – $360,000 |
| $105,000 | $300,000 – $392,000 | $290,000 – $379,000 |
| $110,000 | $315,000 – $411,000 | $305,000 – $398,000 |
| $115,000 | $331,000 – $431,000 | $320,000 – $416,000 |
| $120,000 | $346,000 – $450,000 | $334,000 – $435,000 |
| $125,000 | $361,000 – $470,000 | $349,000 – $454,000 |
| $130,000 | $376,000 – $489,000 | $364,000 – $473,000 |
| $135,000 | $392,000 – $509,000 | $379,000 – $492,000 |
| $140,000 | $407,000 – $529,000 | $393,000 – $511,000 |
| $145,000 | $422,000 – $548,000 | $408,000 – $530,000 |
| $150,000 | $437,000 – $568,000 | $423,000 – $549,000 |
| $155,000 | $452,000 – $587,000 | $437,000 – $568,000 |
| $160,000 | $468,000 – $607,000 | $452,000 – $587,000 |
| $165,000 | $483,000 – $626,000 | $467,000 – $606,000 |
| $170,000 | $498,000 – $646,000 | $482,000 – $625,000 |
| $175,000 | $513,000 – $666,000 | $496,000 – $644,000 |
| $180,000 | $529,000 – $685,000 | $511,000 – $662,000 |
| $185,000 | $544,000 – $705,000 | $526,000 – $681,000 |
| $190,000 | $559,000 – $724,000 | $540,000 – $700,000 |
| $195,000 | $574,000 – $744,000 | $555,000 – $719,000 |
| $200,000 | $589,000 – $763,000 | $570,000 – $738,000 |
| $205,000 | $605,000 – $783,000 | $585,000 – $757,000 |
| $210,000 | $620,000 – $803,000 | $599,000 – $776,000 |
| $215,000 | $635,000 – $822,000 | $614,000 – $795,000 |
| $220,000 | $650,000 – $842,000 | $629,000 – $814,000 |
| $225,000 | $666,000 – $861,000 | $644,000 – $833,000 |
| $230,000 | $681,000 – $881,000 | $658,000 – $852,000 |
| $235,000 | $696,000 – $900,000 | $673,000 – $871,000 |
| $240,000 | $711,000 – $920,000 | $688,000 – $889,000 |
| $245,000 | $726,000 – $940,000 | $702,000 – $908,000 |
| $250,000 | $742,000 – $959,000 | $717,000 – $927,000 |
| $255,000 | $757,000 – $979,000 | $732,000 – $946,000 |
| $260,000 | $772,000 – $998,000 | $747,000 – $965,000 |
| $265,000 | $787,000 – $1,018,000 | $761,000 – $984,000 |
| $270,000 | $803,000 – $1,037,000 | $776,000 – $1,003,000 |
| $275,000 | $818,000 – $1,057,000 | $791,000 – $1,022,000 |
| $280,000 | $833,000 – $1,077,000 | $805,000 – $1,041,000 |
| $285,000 | $848,000 – $1,096,000 | $820,000 – $1,060,000 |
| $290,000 | $863,000 – $1,116,000 | $835,000 – $1,079,000 |
| $295,000 | $879,000 – $1,135,000 | $850,000 – $1,098,000 |
| $300,000 | $894,000 – $1,155,000 | $864,000 – $1,117,000 |
Frequently asked questions
A common rule is to keep your total housing payment at or below 28% of gross income and all debts at or below 36%. With 5% down and recent 30-year rates, that works out to roughly 3.5–4.5× your salary if you have no other debts.
FHA requires only 3.5% down, but adds mortgage insurance, so the price you can afford at the same payment is similar to or slightly below a conventional loan with 5% down. FHA mainly helps if your credit score is below about 680.
Every dollar of monthly debt payments reduces your housing budget under the 36% rule, so a $400 car payment can cut your price range by roughly $60,000.
Sources
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.