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Home Affordability Calculator

Calculate your maximum home price, monthly PITI, DTI ratio, true cost of homeownership, rent vs buy breakeven, and what lenders actually look at.

Home Affordability — income and loan inputs Home Affordability — max price and stat bar Home Affordability — DTI gauge with zones Home Affordability — true monthly cost and hidden costs Home Affordability — rate sensitivity and lender requirements Home Affordability — more tools from BakeBuilt Pro Home Affordability — what you get feature list Home Affordability — works on mobile tablet and desktop Home Affordability — The News Bakery ecosystem

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Who this is for

First-time homebuyers, move-up buyers, and anyone who wants an honest picture of what they can afford — including the costs most calculators leave out.

What's Inside

Maximum home price at 28%, 33%, and 43% DTI thresholds
Full monthly PITI breakdown with PMI and HOA
Front-end AND back-end DTI with large visual gauge
True monthly cost: PITI + maintenance + utilities — what it actually costs
Hidden costs most buyers miss: repairs, landscaping, furnishing, utilities delta
Rent vs Buy 10-year analysis with equity buildup and breakeven point
Interest rate sensitivity: how 0.5% changes your total cost by tens of thousands
Down payment impact table: 5% to 25% with PMI comparison
Amortization snapshots: year 1, 5, 10, 15, 20, 30 equity growth
What Lenders Actually Look At: DTI limits, reserves, credit score, LTV, employment
$4.99

One-time purchase. No subscription. No expiry.

Instant digital delivery
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No subscription required
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The Bakery ecosystem

Five properties. One company. Each one free to use forever.

The News Bakery
AI & tech news with appropriate indifference
BakePrint
170+ free AI workflow blueprints
BizBake
Build it. Fund it. Run it. Improve it.
Keaton Books
The Maplewood Trilogy by Alex Keaton
The Newsletter
Six editions a week. Real AI stories for real businesses.