Real Estate Price Map mortgage calculator

Mortgage & affordability calculator

See the monthly payment and income needed to buy the typical home in any US county — at today's rate or your own.

Loan term

Monthly payment over time

Payment to buy the typical home each year, at that year's average 30-year rate.

Estimates only — principal & interest via standard amortization, plus tax & insurance as a share of price. Excludes PMI, HOA, and closing costs. Rates: Freddie Mac 30-year average (FRED). Prices: Zillow ZHVI. Income: Census SAIPE.

Uses the current 30-year fixed mortgage rate and the latest county home values · methodology & sources

Frequently asked questions

How much house can I afford on my salary?
A common rule is to keep your total monthly housing payment — principal, interest, property tax and insurance — under about 28% of your gross monthly income. Enter your income and the calculator shows the price and payment that fit.
How is the monthly mortgage payment calculated?
It uses standard amortization: principal and interest from the loan amount, interest rate and term, plus your estimated property tax and homeowners insurance. The current 30-year fixed rate is used by default.
How much should my down payment be?
20% down is the default because it avoids private mortgage insurance (PMI), but you can enter any amount. A larger down payment lowers both the loan and the monthly payment.