Free tool
Home Affordability Calculator
A quick read on the price range that fits your income, debts, and down payment — using the 28/36 rule lenders start from.
Estimated price range (top)$194,127
Monthly housing budget (28/36 rule)$1,633
Estimated max loan$184,127
Uses the standard 28/36 debt-to-income planning rule with ~25% of the housing budget reserved for taxes and insurance. Lenders qualify you on your full file — treat this as a starting range.
Good to know
- Lenders weigh credit score, employment history, and reserves — this is a starting range, not approval.
- Down payment assistance exists: Kentucky Housing Corporation offers programs many buyers never hear about.
- Leave room for maintenance — a common rule of thumb is 1-2% of the home's value per year.
Want the full picture, not just materials?
Describe the project and get a contractor-style planning estimate — scope, labor, materials, and a realistic range — free.
Educational planning tool only — not financial, lending, tax, or legal advice, and not an offer of credit. Figures are estimates based on the inputs and standard planning formulas; consult a qualified lender or advisor for decisions.