Finanzas
Instantáneo, privado y gratis
Calculadora de Asequibilidad de Vivienda.
Calcula que casa puedes permitirte basado en tus ingresos y deudas
Esta calculadora aún no está totalmente traducida; parte del texto se muestra en inglés.
Introduce tus valores
Los resultados se actualizan al escribir.
Your finances
Include car loans, student loans, credit card minimums, and other recurring debt — but not rent or your future mortgage.
Property details
Maximum home price
$322,340Budget insight
At this home price, your total monthly debt payments would come to a debt-to-income ratio of 34.0%.
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Cite this calculator
Canonical URL: https://mathify.one/es/finance/home-affordability
Cite as: Mathify. (2026). Calculadora de Asequibilidad de Vivienda. https://mathify.one/es/finance/home-affordability
Use Cases
Plan your home search budget
Determine a realistic price range before browsing listings, so you focus on homes you can afford.
Example: Input $80,000 income and $500 monthly debts to see a max home price.
Compare affordability scenarios
Adjust down payment or debt levels to see how they affect your buying power.
Example: Increase down payment from 10% to 20% to see a higher price range.
Frequently Asked Questions
- How does the home affordability calculator work?
- It uses your income and debts to estimate a comfortable home price range, typically by applying a debt-to-income ratio and down payment assumptions.
- What inputs do I need to use this calculator?
- You'll need your gross annual income, monthly debt payments, down payment amount, and possibly interest rate and loan term to get an estimate.
- Is the result a guaranteed loan approval amount?
- No, it's an estimate. Lenders consider additional factors like credit score, assets, and exact debt ratios, so final approval may differ.
Tips & Common Mistakes
Tips
- Enter your gross annual income (before taxes) for accuracy.
- Include all monthly debt payments like car loans, student loans, and credit card minimums.
- Consider a down payment of at least 20% to avoid private mortgage insurance (PMI).
- Use the result as a starting point, then get pre-approved by a lender.
Common Mistakes to Avoid
- Forgetting to include all monthly debts, which can overestimate affordability.
- Using net income instead of gross income, leading to a lower estimate.
- Ignoring additional homeownership costs like property taxes, insurance, and maintenance.
Last updated: August 13, 2026