To calculate how much house you can afford, we take into account a few primary items, such as your household income, monthly debts (for example, car loan and student loan payments) and the amount , The home affordability calculator from realtor.com® helps you estimate how much house you can afford. Quickly find the maximum home price within your price range., How much house can I afford? How to use our mortgage affordability calculator To figure out how much home you can afford with our calculator, enter your gross annual income and total monthly debts, choose a down payment amount and select a loan term., , , .